FAQs

A: Maryland workers’ compensation covers injuries that took place during employment. This includes traumatic injuries (fractures, sprains, or burns) and occupational diseases (repetitive strain or respiratory conditions). To qualify, the injury must arise out of and/or during the course of employment. Mental health conditions caused by work-related stress may also be eligible for compensation in certain instances.

A: Settlement payments usually arrive within 30 days after all parties have signed the agreement and the Maryland Workers’ Compensation Commission approves it. However, delays can occur if the paperwork is incomplete, additional approvals are required, or the insurance company is slow to process payments.

If you don’t receive your payment within the expected timeframe, legal action may be necessary to enforce the settlement.

A: Incomplete paperwork, medical evaluations, and insurance company investigations can all cause delays in workers’ compensation claims. Employers or insurance companies may also contest the severity of the injury, whether treatment is necessary, and whether it occurred at work in the first place. Additionally, delays can occur when there are administrative backlogs or pending appeals.

A: This depends on your health insurance plan. Many plans operate within provider networks, meaning you must choose from their list of doctors to receive full coverage. Some plans allow out-of-network visits at higher costs. For worker’s compensation cases in Maryland, employers or insurers may have a preferred provider network, but the patient still often has the right to choose their own doctor.