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How does workers’ compensation work?

On Behalf of | Mar 11, 2024 | Workers' Compensation

Many jobs expose workers to potential hazards and risks that could result in injuries or illnesses. To protect their rights, the state has a workers’ compensation system.

Workers’ compensation is a type of insurance employers carry. Maryland requires almost every employer to have this coverage. It provides benefits to employees who suffer an injury or become ill as a result of their job. It provides benefits for medical expenses, lost wages and other expenses, such as vocational rehabilitation.

Qualifying for benefits

To qualify for workers’ compensation benefits, the injury or illness must be work-related. This means that it must have occurred while the employee was performing their job duties. The benefits do not extend to injuries that occur outside of work or as a result of activities unrelated to work.

An employee must file a claim with their employer to seek benefits. There is a time limit on how long a person can wait before filing. Missing the deadline could prevent workers from getting benefits.

Approval process

Once a worker files a claim, the insurance provider will investigate to determine its validity. This may involve reviewing medical records, interviewing the employee and witnesses and inspecting the work site. Upon approval, the employee will begin receiving benefits.

This is a no-fault system, which means there does not have to be proof of wrongdoing on the part of the employer or employee. The investigation is simply to ensure the injury or illness was a result of work activities.

Workers’ compensation protects employees and employers. It helps reduce litigation in the courts and ensures employees get the benefits they need quickly. By understanding how the system works, employees can ensure they receive the right benefits for their work-related injury or illness.