Imagine going to work one day and leaving with a life-changing injury. The turmoil that follows can be overwhelming, with medical bills piling up and uncertainty about the future. For many workers in Maryland, common misconceptions about workers’ compensation benefits compound this stress.
These misconceptions can rob people of the financial relief they desperately need and deserve, so it is crucial to correct them so you can make informed decisions about your options.
Myth 1: You aren’t eligible
Many workers think they can’t collect workers’ comp because of their job type or how long they’ve worked there. This is often untrue. In Maryland, most employees qualify for workers’ compensation from day one on the job. Whether you’re full-time, part-time or seasonal, you likely have coverage.
Those who may not be covered include independent contractors who do not have the necessary insurance.
Myth 2: No negligence, no benefits
Some believe they can’t file a claim if there was no negligence. However, workers’ compensation in Maryland doesn’t require proving fault. It’s a no-fault system, designed to support you regardless of how the accident happened.
However, there are exceptions in situations involving horseplay, intoxication or intentional causing of injuries.
Myth 3: Filing a claim means losing your job
Fear of job loss stops many from pursuing a claim. They worry that an employer will punish them for seeking financial relief or being unable to work. However, Maryland law protects you. In fact, it’s illegal for employers to retaliate against workers who file claims. If you face any backlash, you have legal options to protect your rights.
Myth 4: Financial remedies aren’t worth it
People often assume that the benefits won’t cover their needs. In reality, workers’ comp provides for medical expenses and lost wages, offering crucial support during recovery. Here’s what workers’ compensation can cover:
- Medical treatment and hospital bills
- Rehabilitation services
- A portion of lost wages during recovery
- Benefits for permanent injuries
These benefits can make a real difference in your ability to recover and provide for your family. Workers’ compensation exists to help people get back on their feet, literally and financially.
Don’t let misinformation keep you from pursuing the workers’ compensation benefits you deserve. If you’ve been hurt at work in Maryland, understanding your rights is essential.