Workers compensation insurance is a type of coverage employers are required to carry. The coverage pays medical bills and other expenses when a worker is injured at their place of work. One must not provide liability or fault to qualify for workers compensation, which many people do not realize. However, it’s not always so cut and dry and many people find they need a workers compensation baltimore md lawyer to help them.
Most people who work for an employer qualify to receive workers’ compensation benefits. You are not considered an employee if wages are not deducted from your paychecks but instead deemed an independent contractor. Your employer must also offer the coverage, of course. As long as there are five or more people employed, they carry coverage.
Your injury must have occurred while you were on the clock. However, it is not true that the accident had to occur at the business itself. For example, someone who is transporting a person for business reasons who is involved in an accident would still qualify for benefits because the service was performed for the job.
Anyone who sustains serious injuries or who is permanently disabled should always talk to an attorney. Insurance companies are in business to make a profit and they may not offer a fair settlement in an effort to protect their bank accounts. An attorney can ensure you get the money you are entitled to receive.
It is always best to talk to an attorney to learn more about workers compensation, especially if your claim has been denied. Laws frequently change and due to their complexity, are not always simple to understand. If you are injured a lawyer will talk to you at no cost to help better decide the best actions to take in your case.