It is more dangerous to work in some fields—such as mining, agriculture, and construction—than others. But unfortunately, workplace accidents are not limited to these industries. In fact, a workplace accident can occur in any type of work environment. If you suffer an on-the-job injury, contact a skilled Maryland workers’ compensation attorney at Malloy Law Offices, LLC to learn about your rights. You may be entitled to workers’ compensation benefits, but you will need an attorney’s help to ensure you are fully compensated for your injuries.
The workers’ compensation system does not cover every worker in the state of Maryland. Most employers are required to provide workers’ compensation coverage, however there are some exceptions to this rule. For example, farm workers may not be covered if they work for a farmer with fewer than three full-time employees. Despite these exceptions, most employees are covered by the workers’ compensation system.
The law states that employers must obtain workers’ compensation insurance for their employees, but it does not require them to obtain coverage for independent contractors. As a result, independent contractors in this state are typically not entitled to workers’ compensation benefits.
Many states provide workers’ compensation benefits to workers who suffer any type of work-related injury, but that’s not the case in Maryland. Here, employees can only receive workers’ compensation benefits for:
An accidental injury is one that occurs unexpectedly as a result of a workplace accident. For example, if you slip and fall at work, your injuries would be considered accidental injuries. You don’t need to prove that your employer was at fault for an accidental injury—you are entitled to workers’ compensation benefits regardless of who was to blame for the accident.
An occupational disease does not occur as a result of an unexpected accident. This type of injury or illness develops as a result of the nature of your work. If you are frequently exposed to asbestos, for instance, you may be entitled to workers’ compensation if you develop asbestosis, which is a lung disease caused by asbestos exposure.
Hernia injuries are also compensable in Maryland. The workers’ compensation system covers hernias that are sustained in a workplace accident and hernias that are sustained due to work-related straining.
All injuries—accidental injuries, occupational diseases, and hernias—must arise out of and in the course of employment. This means these injuries are only compensable when they are directly related to your work.
You must initiate the workers’ compensation claim process by notifying your employer of your work-related injury as soon as possible. If you have suffered an accidental injury, you must report it to your employer within 10 days or you could lose the right to recover workers’ compensation benefits. Your employer and their insurance company must either pay your benefits or contest your claim within 21 days from the date the claim was filed.
Every injured employee should seek legal representation after a workplace injury, but this is especially important in cases where either the employer or insurance company has contested the claim. If your claim is contested, it means that your employer or their insurance company does not believe you are entitled to the benefits you are requesting.
To settle these issues, a hearing will be scheduled before the Maryland Workers’ Compensation Commission. It’s imperative to have an attorney from Malloy Law Offices by your side during this hearing. Our Maryland workers’ compensation attorney team will present a strong case supported by evidence that shows you are entitled to workers’ compensation benefits for your injuries.
We will ensure that the Workers’ Compensation Commission understands how your injuries were sustained, the severity of your injuries, and how they have affected your ability to work. Your right to workers’ compensation benefits may depend on the outcome of this hearing, which is why you shouldn’t attempt to prove your case without the experience of a Maryland workers’ compensation attorney.
If you’ve been injured at work, seek legal representation from the experienced workers’ compensation lawyers at Malloy Law Offices, LLC. Our attorneys know what it takes to maximize your workers’ compensation benefits. Let us fight for the benefits you deserve. To schedule a free consultation, call 202-968-2095 or submit your information using the form on this website.