Everything you need to know about Workers Compensation in Maryland
In Maryland, an injured worker is eligible for Worker’s Compensation benefits, including the coverage of medical expenses. Unlike other states, not all injuries incurred in the workplace in Maryland are entitled to workers’ compensation. It has to be an accidental personal injury that happened in or out of the course of employment. Once a worker is approved for Worker’s Compensation benefits, he or she is expected to receive the first check-in 15 days after an award is made or the payment is due.
Types of Injuries Covered
An injury should meet these criteria to be considered compensable.
- the result of an accident
- arises out of the course of employment
- arise in the course of employment
What Is an Accident?
According to the Maryland Workers’ Compensation Act, an accident is an unusual, extraordinary event that unexpectedly resulted in injury or illness. Some injuries are exempted from the rule that it has to be caused by accident. Illness like hernia is compensable even if it is caused by on-the-job strain rather than an accident, the same with work-related injuries called occupational diseases. An occupational disease is a condition obtained from the workplace, like exposure to chemicals or asbestos. At the same time, other injuries and illnesses might be eligible only for health insurance coverage.
What to Do When you are Injured?
When you are injured, immediately report to your employer, file a claim, and look for medical treatment. In Maryland, you have the right to find and choose your doctor who will treat you. If you are eligible for benefits, you can expect the availability of medical assistance.
File a Claim
You can file a workers compensation claim through the Maryland Workers’ Compensation Commission (WCC) website. You may complete the form online and submit it, but printing it is not available. If you want a hard copy, you may send an email to Workers’ Compensation Commission Maryland, request a claim form, provide them your mailing address and make sure all information provided is correct. Instead of sending an email, you may also ask your employer for a claim form. Take note that handwritten claims are not acceptable. Another requirement in filing a claim is the medical release form where you need a signed authorization. After the requirements are completed and submitted, your claims will be processed, and you may check for the status on the Public Claim Data Inquiry website.
Types of Medical Benefits
The following are the medical services covered by Maryland workers comp insurance.
- medical treatment and surgery
- hospitalization and nursing care
- medical equipment such as crutches, and
- prosthetic devices.
If these medical services are found necessary to treat your injury, your workers compensation insurance will cover it for you.
How Long do You Have to Report an Injury to Workers Compensation in Maryland?
Under the Maryland law and the Maryland Labor & Employment, an injury sustained during and within the workplace should be reported. The employee must send a notice not later than ten days and within thirty days for death. However, failure to provide notice at a given time is subject to excuse if there are sufficient reasons, and if the employer or insurance company has not been subjected to failure to comply.
Maryland Workers’ Compensation Settlement Pay and Check
After a settlement has complied, the workers’ compensation insurance company has 15 days to send a check. The Worker’s comp pay in Maryland is two-thirds of the worker’s average weekly salary and other potential benefits.
Maryland Workers’ Compensation Law in for Volunteers
The Maryland Workers Compensation Act applies to paid workers or employees. The eligibility of volunteers for a workmen’s compensation Maryland benefits depend on the state’s statute. However, the Maryland legislature created exceptions for volunteers, specifically for police officers, volunteer firefighters, and students.
Types of Worker Compensation Maryland Benefits
Temporary Total Disability Benefits
A covered employee whose injuries have resulted in them being unable to work fully during a certain period of time is entitled to workers comp to replace the lost wages.
The workers will receive payment, two-thirds of the average weekly wage, but must not exceed the Maryland Average Weekly Wage. However, a minimum of $50 per week will be received by the employee regardless of their average weekly salary.
If the workers cannot return to work after 14 days, he or she will be compensated for all the workdays missed from the date of the accident. All workers are entitled to hospital, nursing, or other medical service benefits, funeral expenses, and medication. The workers compensation Maryland will cover the worker until he or she is no longer totally disabled and can get back to work in some capacity. Maryland workers must have reached optimum medical improvement, even not totally the same as before the accident.
Temporary Partial Disability Benefits
Covered employees who can only work for part-time hours at a reduced rate or are not able to perform their tasks fully are entitled to receive temporary partial disability benefits for the temporary loss of income. The employees will receive 50% of the difference between the regular wage and their temporary reduced salary from their employer or insurance company. Maryland workers compensation will help them stay on top of their expenses amid their disability. The insurance company may also cover lost wages and other medical expenses as part of the workers comp package.
Permanent Partial Disability Benefits
Employees who have permanent impairments and are unable to work are entitled to extra benefits for impairments or permanent partial disability benefits. Those impairments, however, don’t make them disabled. The amount of workers compensation depends on the severity of the disability and when the injury happened. The employee will receive a minimum of $50 weekly, except if the regular wage is less than $50. In most cases, the employee is compensated with the amount equal to the average weekly salary when the accident happened or the latest exposure to the hazard that resulted in the employee’s occupational disease.
Permanent Total Disability Benefits
Some accidents lead to severe injury and illness that may lead to permanent and total disability. These include losing both hands, both arms, both feet, both legs, or loss of any two. When the employee obtains any of these disabilities, they will receive two-thirds of their average weekly pay. But payments must not be less than $25. However, the amount of payment is subject to adjustment based on the annual cost of living. It may be reduced if the worker is also receiving benefits from Social Security Disability.
If Your Claim is Denied
If workers compensation insurance claim is denied, or you don’t think you are receiving the right benefits you are entitled to get, you have the right to request a review or a hearing before the Worker’s Compensation Commission where you have to submit an issues form. You can consult a lawyer for information and some legal advice on this matter.
It is essential to be aware of how the Maryland Workers’ Compensation Claims works. In the event, a work-related mishap happens in your workplace, or you obtain an occupational illness, you know what to do to apply for Maryland workers comp. It is essential to be well-informed of your rights and to learn the many rules and regulations about workers’ compensation insurance claims to be guided every step of the process, from filing to receiving payments you are owed.
If you have applied for workers’ comp benefits and think you are not receiving the right benefits you are awarded, you may apply for an appeal or request for reconsideration or hearing before the Workers’ Compensation Commission of Maryland.
Ready to Start?
Our Maryland workers compensation Insurance agents are ready to help you out.