Understanding workers' compensation laws can be complex, but it's reassuring to know that in Maryland, benefits are available even if you are at fault. Knowledge of your rights and the claims process is crucial to securing the compensation you deserve. Let’s delve into how Maryland's specific laws can help you navigate this potentially challenging situation.

Maryland’s No-Fault Workers' Comp System

Maryland follows a no-fault system for workers' compensation, meaning employees are not required to prove negligence or fault to receive benefits. If the injury occurs within the scope of employment, medical expenses and lost wages are typically covered. This system is designed to streamline the process of obtaining support after a workplace injury, allowing employees to focus on recovery without legal disputes over fault.

Challenges From Employers or Insurers

Even within this no-fault framework, challenges can arise from employers or insurers who might contest claims. They may argue that the injury wasn't work-related, there’s insufficient evidence, or the report was delayed. Therefore, it is crucial for employees to document everything carefully and consider seeking legal assistance if they face resistance to their claim.

Exceptions to the Rule

While workers' comp is generally no-fault, there are specific exceptions in Maryland. Compensation may be denied if:

• The injury resulted from intoxication: Alcohol or drug involvement can lead to denial.
• There was willful misconduct: If the employee intentionally violated safety rules or engaged in reckless behavior.

These exceptions highlight the importance of maintaining professional behavior in the workplace.

When to Contact an Attorney

Our attorneys are available to discuss your case free of charge, with no obligation to hire us. We understand navigating this process can be difficult, and we would be pleased to offer our expertise to help make it more comprehensible for you.