Regardless of whether a person works in construction or an office job, there is a potential for accidents and injuries. Workplace injuries and occupational diseases are no laughing matter as they can hinder an individual’s ability to work or earn a living. Luckily for workers, most states require employers to carry workers’ compensation insurance coverage. This special form of insurance can provide benefits in the event a worker is injured or gets sick on the job. However, to qualify for these types of benefits, workers must file a claim and notify their employer in a timely manner. It is important to acquire the right legal representation as these types of claims can be extremely intricate and complex. If you have been hurt while on the job, contact an experienced Prince George’s County Work Injury Lawyer who can help ensure you file a claim within the right time frame to qualify for workers’ compensation benefits.
Are all employers required to carry workers’ compensation?
In Maryland, employers with one or more employees are required to carry workers’ compensation coverage. Essentially, worker’s compensation is a no-fault insurance coverage that provides benefits for workers who are hurt or become ill on the job. Unfortunately, workers may sustain significant workplace injuries or a devastating occupational disease that diminishes their essential capabilities necessary to work or earn a living. Luckily for workers, workers’ compensation can provide cash benefits for medical care, rehabilitation, disability, and wage replacement.
Who is exempt?
For the most part, employers are required to carry workers’ compensation coverage. However, there are a few exceptions. In Maryland, agricultural employers with an annual payroll of $15,000 or with less than 3 employees are exempt from having to purchase this type of insurance coverage. Additionally, sole proprietor business owners do not have to carry this type of insurance coverage.
Can the Coronavirus (COVID-19) be considered an occupational disease?
Under certain circumstances, the Coronavirus (COVID-19) may be covered under workers’ compensation if an individual was exposed due to the nature of their occupation. Certain occupations such as first responders and nurses are at a significantly higher risk of exposure to COVID-19. COVID-19 can prevent an individual from working or earning a living due to various complications it can cause to an individual’s overall health. If a worker can prove that they had a high risk of exposure to the illness due to the nature of their occupation they may qualify for workers’ compensation benefits. It is imperative to obtain the legal assistance of a skilled lawyer who can help prove a worker was at a significantly higher risk of exposure to COVID-19 due to their job.
Unfortunately, regardless of an individual’s occupation, there is always a potential for accidents and injuries. Due to workplace injuries or illnesses, an individual may be prevented from working. If this is the case, please don’t hesitate to reach out to one of our skilled and determined team members. Our firm is ready to help you prove you qualify for workers’ compensation benefits.