Maryland workers may already know that most employers are required to offer workers' compensation benefits to their employees. Accidents resulting in personal injury to the employee that occurred on the job may be covered; however, not all injuries are. Once cleared to receive workers' compensation, medical bills, prescriptions, physical therapy, hospital care and partial income amounts are covered by an employer or the employer's insurance carrier.
Once a worker misses work for more than three days, he or she is entitled to benefits. If the worker misses more than two weeks, the first three days are paid also. It is important to report an accident immediately to the employer. If an employer or insurer objects to employee coverage, they are obligated to inform the worker and the Workers' Compensation Commission as to why they object. Temporary disability is paid, which equals about 66 percent of the worker's wage each week. This may not exceed the average weekly wage in Maryland.