If you’re a business owner in Maryland, you’re legally required to carry worker’s compensation insurance.
But what exactly is worker’s comp insurance, and how does it work?
In this blog post, we’ll answer those questions and more. We hope that by the end of this article, you will better understand Maryland workers comp and how it helps you and your employees.
- What Is Worker’s Comp Insurance?
Maryland workers comp insurance (also known as worker’s comp) is a mandatory system that provides financial benefits to those who have been injured at work. It pays for medical expenses related to an injury or illness, lost wages due to inability to work, and other disability-related expenses. This insurance is funded by contributions from employers, who are legally required to carry it and pay for any claims that arise.
Under the Maryland Workers’ Compensation Act, employees must be notified when there is a claim for benefits. The employer and employee can appeal a decision made by an administrative judge at the Workers’ Compensation Commission. If any dispute arises regarding the validity or amount of benefits due, an experienced lawyer should be consulted to ensure that all rules are followed during the process.
- Who Is Required To Carry Worker’s Comp Insurance?
In Maryland, all businesses with at least one employee must carry worker’s compensation insurance. This includes full-time, part-time, and seasonal employees. In addition, businesses that are required to have worker’s comp must do so even if their employees are related to them or are minors. Additionally, professionals such as real estate agents, sole proprietors, and independent contractors are not required to have worker’s comp insurance but may do so voluntarily.
- How To Get Help With Forms And Filing Your Claim
If you are filing a claim for Maryland workers comp insurance benefits, there are several ways to get help. The first is contacting an attorney specializing in workman’s compensation laws. They can provide advice and assistance throughout the process of filing a claim. Additionally, some employers may have their own legal or welfare staff that can help employees to understand the law and their rights.
Another way of finding assistance is by contacting the Maryland Workers’ Compensation Commission directly. They offer an online resource center with detailed information on filing a claim and assistance programs that can be contacted for further guidance.
When Are Benefits Received?
Generally speaking, most worker’s compensation insurance benefits claims are processed within a few weeks. This may vary from case to case, though. Appeals can take longer as the Workers’ Compensation Commission must review all cases and determine if benefits should be paid or denied. Additionally, disputes between employers and employees regarding the number of benefits may lead to delays in processing claims.
Conclusion: Enroll In Worker’s Comp Insurance For Marylanders
We hope this guide has helped answer some of your questions about worker’s compensation insurance in Maryland. Remember, all businesses with one or more employees must have worker’s compensation insurance. If you have any further questions about worker’s compensation insurance or need assistance filing a claim, don’t hesitate to contact an attorney or the Workers’ Compensation Commission for help.