Workers’ Compensation Benefits — What are Your Options?

If you’ve been injured while working, you may be entitled to workers’ compensation benefits for injuries suffered on the job. With few exceptions, businesses in the state of Maryland that employ one or more workers are required to carry workers’ compensation coverage for the protection of their employees. Workers’ compensation provides many benefits depending on whether your injuries are considered permanent or temporary, and whether they result in complete or partial disability.

Temporary total disability benefits

If your doctor determines that your injury has left you totally disabled and unable to work for a temporary amount of time, but that you should eventually recover and be able to return to work, you may be entitled to receive temporary total disability benefits.  These benefits generally last until you have reached maximum medical improvement, until then you may receive an amount equaling two-thirds of your average weekly wage, up to a maximum average wage defined in the statute.

Permanent partial disability benefits

If your work-related injury leaves you partially disabled on a permanent basis, but you are still able to work, you may qualify for permanent partial disability benefits.  If you qualify you will receive a percentage of your average weekly wage for a period of time that is determined by the workers’ compensation statute.  The benefits period is established by the statute and varies according to the body part injured and the severity of the injury.  It is important to check with your workers’ compensation attorney about these benefits, as they change annually.

Permanent total disability benefits

If you have suffered an injury that leaves you permanently totally disabled, you are likely entitled to receive a weekly benefit of two-thirds of your average weekly wage.  The state may make other payment adjustments so again, consult with your attorney for specifics.

As an injured worker, you may also receive medical care for your work injuries, along with vocational rehabilitation and retraining if you cannot return to your former occupation. Because of the complexity of Maryland’s workers’ compensation regulations, and because many employers and their insurance companies try to find ways of avoiding paying you what they rightly owe, contact an experienced workers’ compensation attorney from Plaxen Adler Muncy to guide you through the process.