Injury on the job can be a very large problem, especially if it’s an injury that is going to get you out of commission for awhile. That’s where workers’ compensation is supposed to come and help you out. Workers’ compensation is a type of insurance that employers are supposed to have in order to provide wage replacement and medical assistance. When an employee decides to use their workers compensation baltimore md, they are forgoing their right to sue their employer for their injuries, however.
Workers’ comp is something that is going to vary by state in terms of the legal ramifications and what is included with it. Many times, you have a deadline for a claim to workers’ comp, and that could be anywhere from 5 business days (from the date of injury or illness) to longer, depending on your state and the extent of your injuries. There are also special rules related to the type of labor that you do, and you can work that out as needed.
Now, of course, there are rules about workers’ compensation that you need to adhere to as well. For example, in some instances, you can’t go to your own doctor, but you need to go to a doctor that the workers’ compensation insurance says you need to go to. In other states, you may have to put in a written request prior to your injury to be able to go to your doctor instead of the doctor that they would send you to.
No matter what, you want to know and understand your workman’s compensation insurance way before anything happens, so be sure that you sit down and talk to those in charge of your employer’s insurance. Then, you can ask the necessary questions and feel confident that you have a handle on everything.