Workplace injuries can occur at any time. These unfortunate accidents can cause pain, disability and uncertainty about how you will pay your mounting medical expenses, especially if you are unable to work and provide for your family.
If you’ve been injured on the job in Maryland or Virginia, you may be entitled to workers' compensation benefits to cover these expenses and more. Schedule a free consultation with a nationally recognized lawyer today by completing the form on this page or calling (410) 995-1515 or (301) 854-9000 (Maryland) or (703) 734-8790 (Virginia).
For detailed information about workers' compensation, please view the following sections:
- What Is Workers' Compensation?
- Types of Workers' Compensation Benefits
- Workers' Comp in Maryland and Virginia
- Qualifying for Workers' Compensation in Maryland
- Qualifying for Workers' Compensation in Virginia
- Common Reasons Why Workers' Comp Claims Get Denied
- What Portner & Shure Can Do for You
- How Will My Child Support Obligation Effect My Settlement
Workers’ comp is a system which provides compensation for medical bills, lost wages and possible vocational training to employees who have suffered a work-related injury or illness.
Workers’ compensation claims can be extremely complex and difficult to navigate alone. As state-mandated, no-fault insurance, workers’ comp entitles you to certain benefits whether you or your employer caused the accident that harmed you. While you do not need to establish fault in order to claim these benefits, it is critical to work with an experienced attorney to look out for your best interests. Your employer and the insurance company want to settle your claim as quickly as possible.
At Portner & Shure, our top-rated lawyers are nationally recognized by the National Top 25 Trial Lawyers, have decades of experience fighting insurance companies, and have obtained more than $250 million in verdicts and past settlements. We understand the insurance carriers motives and know the various ways they try to pay as little as possible to workplace accident victims.
There are several types of workers’ compensation benefits available to an injured worker:
- Temporary Total Disability (TTD): If a job-related injury prevents you from working, you may be eligible for temporary total disability. While on TTD, the insurance company pays you two-thirds of your salary, non-taxed, for the duration of your temporary disability. The rate of pay is calculated by averaging your wages, including overtime, from thirteen weeks prior to your accident.
- Temporary Partial Disability: If you are unable to work full-time during your recovery, but can still work in a part-time capacity, or in another position for lower pay, you may be able to supplement your reduced income through temporary partial disability benefits.
- Vocational Rehabilitation: If the severity of your injury prevents you from returning to your previous employment role, vocational rehabilitation benefits can assist you in obtaining a new job or position at a comparable salary to your previous earnings. This could involve re-training or additional education paid for by the insurance company. During this process, you are entitled to receive TTD benefits to cover two-thirds of your normal salary, tax-free.
- Permanent Partial Disability: If you are not totally disabled, but your injuries leave you with a lifelong impairment that prohibits you from returning to anything but a modified position or lower-earning job, you may seek permanent partial disability (PPD). The amount of these benefits is based on a number of factors, including your salary, the severity of the injury, the medical treatment provided, the body part affected and its impact on your job, as well as other considerations.
- Do not confuse PPD benefits with general damages for pain and suffering awarded in civil damage claims. There are a number of differences between Maryland and Virginia workers' compensation laws regarding the type of injuries which qualify for PPD, as well as the amount of money allowed for certain injuries.
- Death Benefits: If you have lost a family member as a result of a work-related injury or illness, you may be entitled to compensation for end-of-life expenses, such as funeral costs and lost financial support. The amount of your monetary award hinges on several factors, such as your relationship to the deceased and your level of financial dependence. These benefits center on lost revenue streams for surviving family members, and do not account for the personal devastation of grief, suffering and lost companionship.
Both Virginia and Maryland have a separate set of laws regarding workers’ compensation claims. The laws of each state differ on the duration and amount of permanent and temporary disability benefits, the kinds of accidents and injuries which are covered, the statute of limitations for filing a claim and who gets to choose the medical provider. The hearing and appeal procedures in each jurisdiction are also different for claims that involve a dispute with the employer or its insurance company.
If you’ve been hurt on the job, you will likely be quickly contacted by the workers' compensation insurance company of your employer. Insurers act swiftly to try to get as much information on record as they can before you have a chance to speak with an attorney. This can be detrimental to your case. An insurance company may try to obtain a recorded description of:
- How the accident occurred
- The types of injury or illness sustained
- How and when the accident was reported to your employer
- What information you have shared with co-workers and others about your accident
All of these items can have a tremendous impact on the success of your claim. It is crucial that you consult with an experienced and knowledgeable lawyer before you go on record with the insurance company. Since the statute of limitations varies by state, it is also important to contact an attorney as soon as possible.
In Maryland, only an employee who has suffered from an occupational disease or accidental injury arising on the job or during the course of employment may qualify for workers’ compensation benefits. For example: an employee who is struck by a falling object in a construction accident. The statute of limitations for a workers’ comp claim in Maryland is two years. You must ensure that your employer is properly notified of your claim and that your claim is filed with the Maryland Workers’ compensation Commission within that time.
In some cases, even when a worker has notified their employer of an accident, the employer fails to file an injury report in a timely manner. It is your responsibility to make sure it is done on time.
If you’ve been harmed in a work-related injury or illness in Virginia, state law requires you to notify your employer in writing immediately, or as soon as possible after the injury. This notification should include:
- Your name
- Your address
- The location of the accident and injury
- The time of the accident and injury
- The nature of the accident and injury
- The cause of the accident and injury
This notice must be filed with the Virginia Workers’ Compensation Commission within two years of the accident.
There are a variety of reasons why a workers’ compensation claim may be denied. The most common reasons are:
- The claim was not filed on time
- The worker provided incorrect or insufficient documentation
Additionally, even if you’ve filed your claim on time, with correct and appropriate documentation and in the proper jurisdiction, your employer or its insurer may still dispute your case by arguing that your injury or illness:
- Does not exist
- Is a pre-existing condition
- Resulted from your negligence (such as being intoxicated on the job)
- Did not occur on the job site
- Is not work related
Consulting with one of our nationally-recognized lawyers immediately following your injury or development of illness can greatly increase your chances of obtaining the maximum benefits you are entitled to receive under workers’ comp insurance. We provide detailed advice on each step of your claim to help you maximize your benefits.
Workers’ compensation may seem like a simple process at first. Although you can file the paperwork on your own, you may not get the full and fair compensation you deserve, or you may have your claim denied outright. By working with Portner & Shure, you can expect professional, earnest representation in all aspects of the process, including:
- The filing of your claim
- The negotiation of a settlement
- The diligent pursuit of maximum recovery
- Appealing a denial of your claim
We are also ready to help if you are being pressured to return to work prematurely or outside the scope of what your doctor has approved.
At Portner & Shure, we know how insurance companies try to avoid paying accident victims. Our nationally-recognized attorneys can help you fight for the justice and compensation you deserve.