What Every Employee Should Know About Workers’ CompensationDecember 10, 2018
Workplace injuries can happen when you least expect them, particularly if you work in industries like construction, trucking, or in a warehouse. Depending on the nature of the injury, you may be out of work for an extended period and face costly medical expenses.
Fortunately, in the state of Maryland, all employers are required to pay for Workers’ Compensation insurance, which pays for many, if not all, of the expenses associated with the injury. Knowing the basic facts about Workers’ Compensation will help you take the necessary steps if you are injured at work. An experienced Baltimore Workers’ Compensation lawyer can help you navigate the claims process and secure the benefits you deserve.
What Employees are Covered?
All Maryland employers must carry Workers’ Compensation insurance, with the exception of agricultural employers who have fewer than three employees, and certain business owners. All other employers must provide Workers’ Compensation benefits to any employee who has been injured on the job.
When you file a Workers’ Compensation claim, the Maryland Workers’ Compensation Commission (WCC) is the agency that handles it. Once the claim has been approved, your employer’s private insurance company will provide financial compensation for lost wages, medical expenses, and other costs related to the injury.
If, for some reason, your employer is unable to obtain coverage through a private insurer, they may offer coverage through the Chesapeake Employers Insurance Company (CEIWC). However, this should be a last resort.
Employers may also self-insure, but this is not recommended for small businesses, because they must set aside a significant amount of money in order to cover potential claims.
Steps to Take If You Are Injured at Work
It is very important to report an injury to your employer as soon as possible. You will also need to fill out an Employee Claim Form, which can be found on the WCC’s website. Your employer will need to fill out the Employer’s First Report of Injury (FROI) with the insurance carrier, and the WCC, and submit it within 10 days of the injury. This document can also be found on the WCC’s website.
If the employer does not believe that you have a valid claim, he or she may dispute the claim. The WCC handles all disputed claims. If your employer is not happy with the WCC’s decision, they can file an appeal to the local circuit court, or to the State’s Court of Appeals.
The claims process can be overwhelming, particularly if you are trying to focus on recovering from your injury and returning to work. An experienced Baltimore Workers’ Compensation lawyer can address all of your questions and concerns and guide you through every step of the claims process.
Baltimore Workers’ Compensation Lawyers at LeViness, Tolzman & Hamilton Help Injured Employees Obtain Compensation
If you have been injured at work, contact the Baltimore Workers’ Compensation lawyers at LeViness, Tolzman & Hamilton as soon as possible. Our team of experienced legal professionals will work closely with you to secure the maximum financial benefits you are entitled to, based on your injury. We will protect your rights every step of the way. To schedule a free, confidential consultation, call us today at 844-556-4LAW (4529) or contact us online.