Maryland’s Insurance Laws on Work Injury Claims
Maryland's insurance laws regarding work injury claims are designed to protect employees and ensure that they receive fair compensation for injuries sustained while on the job. Understanding these laws is crucial for both workers and employers.
In Maryland, the Workers' Compensation Act governs the process for work injury claims. This law mandates that employers carry workers' compensation insurance to cover medical expenses and lost wages for employees who are injured during the course of their employment.
One key aspect of Maryland’s insurance laws is the “no-fault” provision. This means that employees do not need to prove negligence on the part of their employer to receive benefits. As long as the injury occurred while performing job-related duties, workers are entitled to compensation, which covers:
- Medical expenses related to the injury
- Temporary total disability benefits if the worker is unable to return to work
- Permanent partial disability benefits, should the worker suffer lasting impairments
- Death benefits for dependents in case of a fatal workplace accident
To file a claim, injured workers must notify their employer of the injury within 10 days and submit a claim to the Workers' Compensation Commission. It is recommended that workers maintain documentation of the injury, medical records, and any communications with their employer or insurance company.
Maryland's laws also stipulate a time limit for filing a claim. Employees have up to two years from the date of the injury to submit a claim for benefits. Failure to do so may result in the loss of the right to compensation.
Employers in Maryland are required to provide their employees with information regarding their rights and responsibilities under the Workers' Compensation Act. In instances where disputes arise, injured workers can seek assistance from an attorney who specializes in workers’ compensation law to help them navigate the process and advocate for their rights.
Another important factor to consider is the option for third-party claims. If an employee is injured due to the negligent actions of a third party (not the employer), they may have the right to pursue additional compensation through a separate legal claim. This can be beneficial for covering additional losses not addressed by workers’ compensation.
In conclusion, Maryland’s insurance laws on work injury claims offer essential protections for workers while ensuring that employers comply with necessary regulations. Understanding these laws can help employees secure the benefits they deserve in the event of a workplace injury.