If you’re a delivery van driver for a florist and someone hits you during the course of work or if you are working in a warehouse and an unsecured pallet falls on you, you are likely entitled to employer provided insurance coverage. Workers’ compensation in Maryland covers on-the-job injuries that arise from and during the course of employment. State laws require that most employers carry workers’ compensation insurance to cover work-related incidents.
Maryland’s workers’ compensation laws are complex. Not all employers, employees, and injuries are covered. To determine your right to fair compensation after a workplace accident, you may need the assistance of an experienced Baltimore workers’ compensation attorney. At the Law Offices of Randolph Rice, we can help you navigate the complex workers’ compensation system in the state.
In Maryland, workplace accidents covered under workers’ compensation laws fit a narrow category. To qualify for a claim, a workplace injury or occupational disease (e.g., lead poisoning from inadequate protections on a construction site) must happen during the course of employment and arise from work-related activity. In other words, if you’re eating a snack, choke, and experience hypoxia-related injuries, you may not qualify for workers’ compensation coverage.
Eligible workplace accidents and injuries may include:
Always report accidents that occur on-the-job to your supervisor and fill out an accident report. Do not assume that workers’ compensation will not cover the injury. Insurers evaluate claims on a case-by-case basis.
All employers with at least one part-time or full-time employee must carry valid workers’ compensation coverage. Employers are responsible for reporting all accidents to their insurance company within a timely manner. Employees are responsible for reporting accidents to their employers and filing the provided claim paperwork.
Maryland has complex workers’ compensation laws, and insurance companies may not always put their beneficiaries’ best interests first. If you suffer an injury or illness while on the job in Maryland, consider reaching out to a qualified workers’ compensation attorney. An attorney may help you determine eligibility, file a completed claim, and expedite the compensation process. If your employer or insurance provider fails to adhere to state laws regarding employee rights to compensation, an attorney may also play an integral role in holding those parties accountable.
Under a workers’ compensation policy, employees may have access to disability benefits in the form of weekly wages, medical benefits, income reimbursement benefits, and workplace rehabilitation benefits. To successfully secure benefits, employees must comply with all of the required authorization and paperwork requests.
The most recent information on workplace injuries and illness from the U.S. Bureau of Labor Statistics covers the 2014 work year. During the year, employers reported almost 3 million nonfatal injuries and illnesses in the workplace. Most injuries occurred in service based environments.
At the state level, the Maryland Workers’ Compensation Commission handled 23,711 filed claims during 2015. Out of those, the commission only disallowed 584 claims. Some of the top industries for filing workers’ compensation claims include police/security, hospital employees, colleges, and schools. Most disability benefits go to serve those who suffer injuries to the back, shoulders, and knees.
Workplace injuries happen on a daily basis, and many injured workers qualify for workers’ compensation benefits. If you suffer an injury in a workplace accident, explore your ability to pursue a workers’ compensation claim.
As your workers’ compensation legal representative, the Law Offices of Randolph Rice will work hard to protect your rights to fair compensation. We understand the laws governing state workers’ compensation benefits and the injuries that qualify. Allow us to help you file your claim and contest claim delays and denials while you begin the recovery process – and while we fight hard for your rights.
For more information, contact our Baltimore personal injury lawyer team at the Law Offices of Randolph Rice for a free case evaluation today. Call us in Baltimore at 410.288.2900 or in Lutherville at 410.929.8241 today!