In Maryland, all employers must purchase worker’s compensation insurance. The insurance pays for all medical services required for a work-related injury. It also offers monetary benefits for long-term conditions. Injured workers receive these benefits during their recovery period. Workplace injury lawyers in Upper Marlboro MD help workers who were denied these benefits.
Reviewing the Initial Process
The initial process requires the employer to send the worker to an emergency room. The worker receives a diagnosis and treatment for their injuries. The doctor files a report with the insurance company, and the report explains the worker’s injuries fully. A claim’s adjuster reviews the report and determines if the injuries meet the terms of the policy.
The Reason for the Denial
A denial must be based on a legitimate reason outlined in the policy’s terms. The insurer cannot use any fraudulent reason to deny the claim. They must provide the reason in the documentation sent to the worker after the claim is processed. The worker’s attorney reviews the documentation and determines if the insurer followed all applicable laws.
Eliminating the Loopholes
Company policies present insurance companies with loopholes. These loopholes are violations of the company’s policies that lead to the work-related accident. The most common policy violation applies to work attire and safety gear.
Employers prevent access to coverage if the injured worker violated the company’s policy. Under these circumstances, they provide misleading information to the worker and refuse to process a claim. However, under federal law, this action is illegal.
What the Worker Has to Gain
The worker gains full coverage for all medical treatments, if they win their case. This includes payments for the initial treatment and all ongoing medical services. The worker receives at least sixty percent of their earnings during their recovery period.
In Maryland, employers must follow federal laws associated with worker’s compensation insurance. These laws require the employer to purchase these policies to cover work-related injuries. The policy pays for all medical services and offers monetary benefits. An attorney files an appeal when the worker’s claim is denied. Employees who need to hire workplace injury lawyers in Upper Marlboro MD should click here to schedule an appointment today.
