When a workers’ compensation settlement doesn’t cover all of your expenses or lost wages, it can feel like a frustrating setback. However, there are several steps to take if you find yourself in this situation. Exploring your options can help ensure that you get the support you need for recovery and financial stability.
Can you appeal the settlement decision?
In Maryland, if the initial settlement doesn’t meet your needs, you may have the option to request a hearing. A Maryland Workers’ Compensation Commission (WCC) hearing can give you the chance to present new evidence or argue that the settlement amount is insufficient. During the hearing, both sides will present their case, and the commission will determine if the settlement should be modified.
Are there additional benefits or programs available?
If the settlement doesn’t cover all your medical costs or lost wages, you may be eligible for additional benefits. Maryland offers various workers’ compensation benefits, such as vocational rehabilitation if you can no longer return to your previous job. If your condition is permanent, you may also qualify for permanent partial disability benefits, which provide ongoing payments for long-term impairments.
Can you pursue a personal injury claim?
In some cases, if a third party caused your workplace injury, you might have the right to file a personal injury lawsuit outside of workers’ compensation. This option could provide additional financial support, especially if the settlement doesn’t cover all your damages. A third-party claim could include situations where defective equipment, unsafe conditions, or another party’s negligence contributed to the injury.
What happens if you cannot return to work?
If a workers’ compensation settlement doesn’t provide enough coverage for long-term recovery, and you are unable to return to your previous role, you might qualify for additional support through Maryland’s Workers’ Compensation program. This may include benefits for permanent total disability if you can no longer work at all due to the injury.
Sometimes a workers’ compensation settlement may fall short of covering all of a person’s needs. Exploring other avenues, such as appeals, additional benefits, or even a third-party claim, can offer some relief. Being proactive and staying informed about available options is key to ensuring that you receive the help you deserve.