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Workers’ Compensation Basics

On Behalf of | Feb 3, 2022 | Workers' Compensation

Some industries have more inherent dangers than others, but people can suffer injuries at any type of job. These injuries can vary in severity, but some of the injuries will require medical treatment and force people to miss time at work. This can create a very difficult situation for people who rely on their jobs to earn an income and provide for themselves and their families. That is why employers are required to have workers’ compensation insurance and pay workers’ compensation to employees who are injured on the job.

To qualify, the injury must have occurred in the course of the worker’s employment. Sometimes whether the injury occurred “in the course of employment” can be disputed, but most job-related injuries should be covered by workers’ compensation benefits.

Types of benefits paid by workers’ compensation

Workers’ compensation benefits can also pay for many of the financial burdens caused by the injury. The benefits can pay for the medical expenses that people incur as a result of the injury. This includes surgery costs, hospital stays, rehabilitation, medications, medical equipment and other medical expenses.

People will also receive compensation for a portion of the income they lose while they are unable to work due to the injury. The length of time the benefits are paid and the amount are based on the length of time people are unable to work and also if they are only partially disabled and still able to work at least part time.

People may also be able to receive compensation for vocational rehabilitation costs. Sometimes the injury will prevent people from doing the work they were doing prior to the injury, but they are still physically capable of working in a different field. Workers may require training in order to work in a new field though and workers’ compensation may be required to pay for the training costs.

Unfortunately, there are many people that are injured at work in Maryland every year. People can be left with significant medical bills and lose income while they recover from the injuries. In some situations, people will never be able to do the same work or work at all due to the injury. That is why workers’ compensation benefits are so important. However, the employer or the insurance company may try to downplay the injury and deny benefits or try to require injured employees return to work before they should return. People can appeal these decisions though. Experienced attorneys understand the importance of workers’ compensation benefits and may be able to help protect people’s rights to those benefits.

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