Workers’ Compensation Laws in Maryland
If you’ve been injured on the job in Maryland, the state’s workers’ compensation laws are in place to help you recover both physically and financially. These laws ensure that eligible workers receive necessary benefits while also protecting employers from personal injury lawsuits related to workplace incidents.
Who Is Covered?
Most employees in Maryland are covered under workers’ compensation laws, including:
- Full-time and part-time employees
- Minors and undocumented workers
- Employees of private companies and state/local governments
Independent contractors are generally not covered unless misclassified. If you’re unsure about your classification, the Maryland Workers’ Compensation Commission (WCC) can provide guidance.
Employer Insurance Requirements
All employers in Maryland are required to carry workers’ compensation insurance or qualify to self-insure. Failing to do so can result in penalties and legal action. You can check whether your employer has coverage through the Maryland WCC website.
Benefits for Injured Workers
If your claim is accepted, you may receive several types of benefits, including:
- Medical Coverage: Includes doctor visits, surgeries, medications, and therapy related to the work injury.
- Temporary Total Disability (TTD): Provides wage replacement (typically two-thirds of your average weekly wage) if you cannot work at all while recovering.
- Temporary Partial Disability (TPD): For workers who can return to work in a limited capacity but earn less.
- Permanent Partial or Total Disability: If your injury results in long-term impairment, you may be compensated based on a schedule of injuries or your reduced earning capacity.
- Vocational Rehabilitation: Helps you retrain or find new work if you can’t return to your previous job.
- Death Benefits: If a workplace injury leads to death, dependents may be eligible for compensation and funeral expenses.
Time Limits to File
Timing matters in Maryland:
- Report your injury to your employer as soon as possible, ideally the same day it happens.
- File a claim with the Workers’ Compensation Commission within 60 days of the accident. While the absolute limit is two years, late reporting may reduce or eliminate your benefits.
It’s also critical to follow medical advice and attend any scheduled independent medical exams (IMEs) requested by your employer’s insurance company.
Medical Treatment Rules
In Maryland, you have the right to choose your own doctor, as long as they are licensed to practice in the state. Your employer or their insurer cannot dictate where you get treatment, but they may request an IME to confirm your condition.
Common Injuries That Qualify
Workplace injuries that typically qualify for benefits include:
- Repetitive stress injuries (like carpal tunnel syndrome)
- Back or neck strain from lifting
- Slips, trips, and falls
- Equipment-related injuries
- Exposure to harmful substances
- Work-related vehicle accidents
Mental health conditions caused by workplace trauma may also be eligible in certain cases, especially when tied to a physical injury or high-stress job environment.
Dispute Resolution Process
Disputes between injured workers and insurers are common. If your claim is denied or delayed, you can:
- Request a hearing with the Maryland Workers’ Compensation Commission
- Submit documentation and evidence supporting your case
- Receive a ruling from a commissioner, which can be appealed if necessary
Legal representation may help you navigate this process, especially if the case becomes complex.
Legal Help for Workers
Consider reaching out to a Maryland workers’ compensation lawyer if:
- Your employer denies your injury occurred on the job
- Your benefits are lower than expected
- You’re being pressured to return to work too soon
- You face retaliation for filing a claim
Protect Your Rights After a Work Injury
The aftermath of a workplace injury can feel overwhelming, but Maryland’s workers’ compensation laws are designed to protect you. Take action quickly, understand your rights, and don’t be afraid to seek legal advice if your recovery isn’t going as planned.