If you are injured while in the course of your employment you may be entitled to Workers’ Compensation benefits. Maryland law requires employers to maintain insurance coverage for their employees, and in some instances, for employees of sub-contractors or “shared” or “loaned” employees. An Employer/Employee relationship can be very complex and should be examined on the specific facts.
The benefits covered under Maryland law include payments for time off while receiving active medical treatment (Temporary Total), supplemental payments if unable to return to full-duty while recovering (Temporary Partial), benefits for efforts to pursue vocational rehabilitation if unable to return to the prior employment, and compensation for permanent disability. There are also provisions for medical treatment for life, medically-necessary appliances or accommodations and reimbursement for mileage and related out-of-pocket expenses. There can also be benefits in the event of a death arising out of a work-related accident.
In order to protect rights to compensation a Claimant must formally file paperwork with the Maryland Workers’ Compensation Commission in Baltimore. Any dealings directly with an Employer or an Insurance Company may not protect a Claimant’s rights, and it is imperative that the claim be filed before the period for claims expires.
A work-related injury can involve serious questions of compensability, causal relationship, reasonable and necessary medical treatment and the level of disability and the extent of future rights. Obtaining an attorney can help navigate the intricacies of the law and benefits, and the fees for legal representation is regulated by the Workers’ Compensation Commission and paid from benefits awarded to a Claimant. Since the Employer and Insurer have an attorney available to represent their interest, there is no reason for a Claimant to represent themselves.