Getting hurt at work can be a scary and confusing experience. You might wonder how you’ll pay medical bills or support your family while recovering. In Maryland, the workers’ compensation system is designed to help employees who have been injured on the job.
However, dealing with the claims process can be challenging, and mistakes could cost you the benefits you deserve. That’s where Mooney Law comes in. As an experienced Maryland injury lawyer, we’re here to guide you through every step of the process and fight for your rights.
What Is Workers’ Compensation?
Workers’ compensation is an insurance program that benefits employees injured or falling ill due to their jobs. In Maryland, this system covers medical expenses, lost wages, and rehabilitation costs to help workers recover and return to work. It’s designed to be a no-fault system, meaning you can receive benefits even if the injury was partially your fault.
Who Is Eligible?
Most employees in Maryland are covered under the state’s workers’ compensation laws. This includes full-time, part-time, and seasonal workers. However, independent contractors and some specific job categories might not be eligible.
A Maryland workplace injury lawyer can help clarify your rights if you’re unsure about your status.
Common Workplace Injuries Covered
Workers’ compensation covers many types of injuries, including repetitive strain injuries like carpal tunnel syndrome, back injuries, and other serious injuries. Even illnesses caused by exposure to harmful substances are often covered. No matter the injury, a work injury attorney near me can help ensure you receive the necessary benefits.
Common Workplace Accidents Leading to Claims
Several types of accidents and circumstances commonly lead to injuries while on the job. These include:
Slip and Fall Accidents
Slipping on wet floors or tripping over obstacles can lead to serious injuries, such as fractures or head trauma. These slip-and-fall accidents are common in various workplaces, from offices to construction sites.
Machinery or Equipment Malfunctions
Malfunctioning tools or equipment can cause severe injuries, especially in manufacturing or construction jobs. Workers deserve safe tools; compensation may be available if faulty equipment causes harm.
Construction Site Injuries
Construction sites are dangerous by nature, with risks like falling objects, collapses, and electric shocks. These accidents can leave workers with life-altering injuries.
Exposure to Harmful Substances or Toxic Chemicals
Jobs that involve chemicals, like cleaning products or industrial materials, can lead to long-term health problems. Workers suffering from exposure-related illnesses may qualify for benefits.
Vehicle-Related Accidents
You might be eligible for workers’ compensation if you’re injured in a car accident while performing work duties, such as making deliveries or traveling between job sites.
Repetitive Motion Injuries
Doing the same motion repeatedly, like typing or operating machinery, can lead to injuries like carpal tunnel syndrome or tendonitis. These conditions often require medical care and time off work.
Falls from Heights
Workers using ladders, scaffolding, or elevated platforms face a high risk of falling, which can result in broken bones or spinal injuries. These are serious cases that often require legal help to secure compensation.
Workplace Violence Incidents
In rare cases, workers may be injured due to violence in the workplace. These situations can be complex, but they’re also covered under Maryland’s workers’ compensation laws.
Benefits Available Under Maryland Workers’ Compensation
Workers’ compensation offers several types of benefits to help injured workers and their families:
- Medical Expenses: Coverage for doctor visits, hospital stays, surgeries, medications, and therapy.
- Wage Replacement Benefits: A portion of lost wages while you recover and can’t work.
- Permanent Disability Benefits: Compensation if the injury leads to a lasting disability.
- Temporary Disability Benefits: Payments while you’re temporarily unable to work.
- Vocational Rehabilitation: Support for retraining if you can’t return to your previous job.
- Death Benefits: Financial help for surviving family members after a fatal workplace accident.
Filing a Workers’ Compensation Claim in Maryland
The first thing you should do is report your injury to your employer immediately. Delaying this step could hurt your claim. Then, seek medical attention to get a clear record of your injuries. This documentation is essential when filing for benefits.
Filing the Claim
In Maryland, there are strict deadlines for filing a workers’ compensation claim. Make sure you submit all required paperwork, including medical reports and proof of the accident. A workers’ compensation attorney in Maryland can help you gather everything you need.
Common Mistakes to Avoid
Failing to meet deadlines or not seeking medical care are common errors. Providing incomplete information can also lead to delays or denials. The best workers’ compensation lawyer in Maryland can help you avoid these pitfalls.
Challenges in Workers’ Compensation Cases
While workers’ compensation is meant to provide support for injured employees, the process isn’t always straightforward. Many workers face challenges that can delay or reduce their benefits, adding stress to an already difficult situation. This may include:
Claim Denials
Claims may be denied for reasons such as insufficient evidence or disputes over whether the injury is work-related. If your claim is denied, don’t give up—appeals are possible.
Employer or Insurer Disputes
Sometimes employers or insurance companies challenge claims to avoid paying benefits. In these cases, a top-rated workers’ compensation attorney in Maryland can fight on your behalf.
Pre-Existing Conditions
If you have a pre-existing condition, insurers might argue that your injury isn’t work-related. A Maryland workers’ compensation lawyer can help prove otherwise.
How Our Maryland Workers’ Compensation Lawyer Can Help
Filing a workers’ compensation claim can be challenging, especially when unexpected obstacles arise. That’s where our team steps in to provide the guidance and support you need.
Case Evaluation
We offer a free consultation to review your case and explain your options. This is your opportunity to ask questions and get clear answers.
Gathering Evidence
We work to collect all the necessary documents, such as medical records, incident reports, and witness statements, to strengthen your case. Appealing Denied Claims If your claim is denied, we’ll guide you through the appeals process, increasing your chances of approval.
Negotiating Settlements
Many claims are resolved through settlements. We’ll negotiate to secure fair compensation for your injuries without unnecessary delays.
Frequently Asked Questions About Maryland Workers’ Compensation
How long do I have to file a workers’ compensation claim in Maryland?
You typically have two years to file a claim. However, reporting your injury to your employer as soon as possible is crucial to avoid complications.
What if my employer doesn’t have workers’ compensation insurance?
In Maryland, most employers are required to carry workers’ compensation insurance. You may still have options through the state’s uninsured employer fund if they don’t.
Can I file a claim if the injury was partially my fault?
Yes, workers’ compensation is a no-fault system. You can still receive benefits even if you were partially responsible for the accident.
What happens if I am unable to return to work?
If your injury prevents you from returning to your job, you may be eligible for permanent disability benefits or vocational rehabilitation to help you transition to a new role.
Contact Our Maryland Workers’ Compensation Lawyer Today
Dealing with a workplace injury is stressful, but you don’t have to face it alone. At Mooney Law, we’re committed to helping injured workers secure the benefits they deserve. Whether you need assistance filing a claim, appealing a denial, or negotiating a settlement, we’re here to help.
Contact our best workers’ compensation lawyer in Maryland today for a free consultation and take the first step toward getting your life back on track.