Understanding Maryland’s Laws on Workers’ Compensation Claims

Understanding Maryland’s Laws on Workers’ Compensation Claims

Workers’ compensation is a critical aspect of workplace safety and employee protection in Maryland. Understanding the laws surrounding workers’ compensation claims can help employees navigate the process effectively should they suffer a workplace injury or illness. This article outlines key points regarding Maryland’s workers’ compensation laws, benefits, and the claims process.

What is Workers' Compensation?

Workers’ compensation is a state-mandated insurance program that provides financial and medical support to employees injured on the job. In Maryland, this program is designed to cover medical expenses, rehabilitation costs, and lost wages due to work-related injuries.

Employee Eligibility for Workers' Compensation

In Maryland, most employees are covered by workers’ compensation laws. This includes full-time, part-time, and temporary employees. Certain categories, such as federal employees and volunteers, may have different coverage rules. To qualify for benefits, the employee must demonstrate that the injury occurred in the course of employment.

Types of Benefits Available

Maryland’s workers’ compensation system offers various types of benefits:

  • Medical Benefits: Coverage for necessary medical treatment, hospital visits, surgeries, and rehabilitation.
  • Temporary Total Disability: Compensation for wages lost during recovery, typically two-thirds of the average weekly wage.
  • Permanent Disability Benefits: Available for those who experience lasting effects from their injuries.
  • Vocational Rehabilitation: Services that help injured workers return to the workforce or gain new employment skills.

Filing a Workers' Compensation Claim

The process of filing a workers’ compensation claim in Maryland requires several steps:

  1. Report the Injury: Notify your employer immediately after sustaining an injury.
  2. Seek Medical Attention: Get the necessary medical treatment and keep records of all medical visits and expenses.
  3. File a Claim: Complete the Form FC-1 (Employee’s Claim Application) within 60 days of the injury. This form must be submitted to the Maryland Workers’ Compensation Commission.

Time Limits for Filing a Claim

In Maryland, employees must file their claims within a specific time frame. For most workplace injuries, the claim must be filed within 60 days from the date of the incident. However, if an injury develops over time, such as in cases of repetitive stress injuries, the claim must be filed within 3 years of the date the employee became aware of the injury.

Understanding the Appeals Process

If a claim is denied, employees have the right to appeal the decision. The appeal must be filed within 30 days of the denial. The case will then be reviewed by the Maryland Workers’ Compensation Commission, which may require a hearing to assess the validity of the claim. It is advisable to seek legal representation during this process to ensure that your rights are protected.

Conclusion

Understanding Maryland's laws on workers’ compensation claims is essential for employees who might find themselves in difficult situations due to workplace injuries. By knowing the eligibility requirements, types of benefits available, and the proper steps to take when filing a claim, workers can ensure that they receive the support and compensation they deserve.

For more information or assistance, consider consulting with a workers’ compensation attorney who can provide expert guidance tailored to your unique circumstances.