Anyone in Maryland who has suffered an injury at work likely has a lot of questions about getting treated and covering their losses while they are unable to work. Workers’ compensation is supposed to be there to protect employees, but getting fair and full relief following a work injury can be more difficult than people realize. Here are some things everyone should know about workers’ compensation.
Fact number one: most employers are required to offer workers’ compensation benefits. The state requires the vast majority of employers to provide workers’ comp insurance. This can protect employers from being sued by injured workers or their family members. It also helps employees and their families cover any losses resulting from the injury — such as medical expenses and lost wages, among others.
Fact number two: workers’ compensation is selective in what type of incidents it covers. If an employee’s injury was self-inflicted, workers’ comp benefits may be denied. If an employee was injured while under the influence of drugs or alcohol, benefits may be denied. Workers’ compensation is meant for injuries or deaths that occur due to employer or employee carelessness.
Fact number three: employers cannot fire employees for utilizing workers’ compensation benefits. Firing an employee for filing a workers’ comp claim would be considered an act of retaliation. If this happens, one may file a wrongful termination suit against one’s former employer in an effort to seek compensation and, if desired, get one’s job back.
Maryland residents who have suffered injuries on the job should file for workers’ compensation benefits if they are available to them. Legal counsel can help one with the filing process to make sure the claim is submitted in a timely and professional manner. An experienced workers’ comp attorney can also provide assistance if the compensation offered is insufficient or if one’s claim is denied.