On-the-job injuries can be a major problem for workers, particularly when medical costs, lost wages, and recovery time affect their economic well-being. Injured workers may need ongoing medical care and/or time off work, depending on the accident’s severity. While workers’ compensation benefits are meant to provide financial and medical assistance, it can be challenging to understand the standards for receiving compensation and to manage the claims process. A claim can be complicated by disputes over who was at fault, who covered medical costs, or who paid benefits.
A knowledgeable Maryland workers compensation attorneys can help an injured worker understand their legal rights and benefits. An attorney can help file claims, obtain medical records, address benefit denials, and deal with insurance companies. Legal guidance can also help workers with disagreements, so they can take appropriate action to pursue the compensation they may be entitled to under Maryland law.
Knowledge of Temporary and Permanent Disability benefits in Maryland
Maryland workers’ compensation offers various types of disability benefits based on how a work injury affects a worker’s ability to work. Temporary disability benefits may be available when an injured worker cannot perform their job during recovery. Generally, temporary total disability applies when an employee cannot return to work at all, and temporary partial disability applies when they can return to work but with restrictions and at a reduced pay rate.
If an employee reaches maximum medical improvement and suffers permanent physical restrictions, then permanent disability benefits may be available. PPD applies when a worker has a permanent impairment but can still do some work tasks. Permanent total disability can be awarded if an individual cannot return to work due to an injury. The benefits are based on the type and severity of the impairment and Maryland workers’ compensation law.
Common Workplace Injuries in MarylandÂ
Injuries can happen in various industries, such as construction, manufacturing, healthcare, transportation, and office settings. A seemingly isolated incident,r repetitive motion, or repeated strain can cause an accident. Depending on the type of injury, the employee may require specific medical treatment and may be able to obtain workers’ compensation benefits.
Some of the common workplace injuries include:
| Back and neck injuries | These include muscle strains, disc problems, and more, which can result from heavy lifting, falls, and repetitive movements. |
| Repetitive stress injuries | These are injuries caused by repeated stress, such as carpal tunnel syndrome and tendonitis. |
| Burns and Cuts | Hot equipment, chemicals, or sharp tools can cause burns and cuts that may necessitate medical attention. |
| Fractures | Falls, machinery accidents, and falling objects can result in serious bone injuries. |
| Occupational Illnesses | Repeated exposure to hazardous substances or unsafe working conditions. |
It is crucial to establish a relationship between an injury and a work-related activity when applying for compensation. Employees should report incidents promptly, seek medical care, and keep records of medical treatment and work restrictions. These documents may help establish the type of injury and support a benefits claim. claim
What if an Employer or Insurance Company Challenges a Workplace Injury?
A workers’ compensation claim can get complicated if the employer or insurance company disputes an injury’s work-related nature, or if an employee disputes their eligibility for some benefits. A conflict can arise over the cause, severity of the injury, medical expenses, or the amount of compensation sought. Employers or insurers can formally dispute claims in Maryland by submitting issues to the Workers’ Compensation Commission.
Maryland Workers’ Compensation Commission
If a claim is contested, the employee may have to present medical records, accident reports, witness statements, and other documentation to support their claim. The Workers’ Compensation Commission can hold a hearing for both parties to present evidence and arguments. Employees should keep up-to-date records and follow medical advice to be prepared to answer questions about their injury and benefits.
Having legal counsel can assist in cases of denied claims, delayed claim payment, or disputes regarding medical treatment. An attorney can review the employer’s or insurer’s objections, coordinate supporting evidence, and help the injured worker prepare for a hearing. The guidance may help clarify options and help workers seek benefits under Maryland law.
Frequently Asked Questions
What injuries qualify for workers’ compensation in Maryland?
Staff may be entitled to benefits if they’ve suffered a fracture, back injury, burn, repetitive motion injury, or certain occupational illnesses at work. It is subject to conditions and/or legal requirements.
What if I am unable to get back to work, can I receive workers’ compensation?
Yes. Temporary total disability benefits may be available for employees who are unable to work after an injury covered by the workers’ compensation program. If permanent disability benefits are available, they may apply to those with permanent impairments.
If my workers’ compensation claim is denied, what should I do?
The denial can be appealed to the Maryland Workers’ Compensation Commission. It is important to collect medical records, accident reports, and other supporting evidence to address the reason for the conflict.
May I select my own doctor for an on-the-job accident?
In most cases, Maryland workers’ compensation policy permits an injured employee to select his or her treating physician. However, any treatment and medical costs must comply with the requirements of workers’ compensation.
What role does a workers’ compensation lawyer play in my workers’ compensation claim?
A lawyer can help you fill out claims, review medical records, negotiate with the Commission, and present your case at Commission hearings.
Conclusion
An employee can suffer an on-the-job injury that impacts their health, income, and work capacity. Employees who are familiar with the temporary and permanent disability benefits available to them, and the common workplace injuries they may be exposed to, can better protect their rights and know what to do if they have a dispute with the claim. Proper documentation and seeking medical attention are also vital when pursuing workers’ compensation benefits.
Seeking help from Workers’ Compensation Attorneys in Maryland may help you understand your legal options if you have had an on-the-job injury or are having trouble with your claim. Trollinger Law LLC can help with your workers’ compensation issues, including denied claims and disputed benefits.
