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Maryland Workers' Compensation

Maryland Workers' Compensation

Beginning in the early 1900's, every state throughout the United States had enacted some type of workers' compensation protection for workers who were injured on the job. Workers compensation was enacted to eliminate an older system which allowed workers to file personal injury claims against their employer.

Personal injury claims often resulted in lengthy legal battles and an expensive process for the employee to prove their employer's negligence contributed to their work injuries. Workers' compensation is a no-fault insurance and became a statutory solution to providing medical compensation and wage loss protection.

Maryland workers' compensation is however, a trade-off for both the employee and the employer. The employee, while getting immediate benefits, may sacrifice a larger pay-out than they may have received if they had won an injury claim. Employers must purchases workers' compensation and make payments they may have avoided if they had won the court case.


Hiring a Maryland Workers' Compensation Lawyer

Workers' compensation can be complicated and state laws vary. Employers may be helpful and provide all the necessary Maryland workers' compensation benefits, but if your employer denies workman's comp or does not help you get the workers' compensation benefits you need, contact a Maryland workman's comp attorney for help.


Injuries covered under Maryland Workers' Compensation

Not all Maryland work injuries are covered under Maryland workers' compensation law. Maryland workers' compensation only covers work injuries which are caused by an "accidental personal injury arising out of and in the course of employment". Occupational illnesses which are directly caused by work conditions may also be covered. Common work injuries can include (but are not limited to) the following: Amputations of arms or legs, Rotator cuff tear, Concussions, Torn Anterior cruciate ligament (ACL), Heart attack or strokes on the job, Torn medial collateral ligament (MCL), Carpal Tunnel, Torn meniscus, Diseases caused by inhalation of chemicals or other toxins, Neck injuries, Bulging disc, Abrasions and burns, Knee replacement, Hearing loss, or even Reflex sympathetic dystrophy

Maryland workman's compensation benefits are only provided to workers who have a employee/employer relationship and who are injured in the course of their job. Work injuries may not be covered if the employee was injured while they were intoxicated, was not using employer provided safety equipment, was horse playing or was trying to intentionally hurt themselves or others.


Different types of Maryland Workers' Compensation Benefits

The state of Maryland provides the following types of workers' compensation benefits: medical benefits, death benefits, vocational rehabilitation, temporary total disability benefits (TTD), temporary partial disability benefits (TPD, permanent partial disability benefits (PPD) and permanent total disability benefits (PTD). More information about each benefit is listed below.

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