Maryland Workers’ Comp
Workers’ compensation insurance provides coverage to Old Line State employees who get hurt or sick because of their job. This coverage can include:
- Replacing some wages from lost work
- Help covering medical care related to the injury or illness
- Financial benefits to an employee’s family if the employee dies
Having Maryland workers’ comp for your business is important for employers. It can help cover the cost of related legal advice and fees if a worker’s family member decides to file a lawsuit against your business.
Maryland workers’ comp can help protect your business and employees in the following events:
- An employee incurs an overuse injury from repetitive motion. The injury could lead to potentially days, if not weeks, of recovery time. Workers' comp can help cover the medical costs and any ongoing care.
- An employee is on their way to visit a client on the Chesapeake Bay. They get into a car accident and injure their neck. They're taken to the hospital for medical treatment. Workers' comp can help cover the costs for treatment.
Maryland Workers’ Compensation Coverage
Maryland workers’ compensation insurance from The Hartford can help your business pay for medical expenses to treat job-related injuries and illnesses. It can also help Maryland employees keep some their income if they take time away from work to recover.
Coverage Requirements – Maryland employers have to get workers’ compensation insurance. Employers can get coverage from a private insurance company, like The Hartford. One of the most basic costs of running your business is ensuring your employees are safe and on-the-job injuries are minimized.
Our team can help you get the workers’ comp coverage you need. We can help you protect your business and employees. Get a quote or call 1-855-829-1683 today. It’s fast and easy.
Proof of Coverage – Proof of workers’ comp insurance coverage in Maryland is also known as a certificate of insurance. This proves you have workers’ comp in MD. It also explains the different types of injuries your Maryland policy covers. Get a quote to get a certificate of insurance.
What’s Covered – This coverage provides benefits to employees that suffer injuries or get sick from a work-related cause. It can also help provide payments to an employee’s beneficiaries if the employee dies due to a work-related accident or illness. This coverage is not only beneficial for employees, but also for Maryland employers. Here are examples of how workers' comp can protect employers:
- An employee slips and falls on ice outside their Baltimore office. They can file a claim against their company for not protecting them as they entered the building.
- An employee in Annapolis is moving boxes and injures their wrist. They may be eligible for workers’ compensation.
What Maryland Workers’ Compensation Covers
Workers’ compensation insurance from The Hartford may also cover:
Accident or Injury – If your employee gets hurt because of their job, workers’ comp helps defray the medical costs to treat the injury.
Illness – Working conditions may expose employees to harmful chemicals or allergens that can lead to illness. Workers’ comp can help cover the medical costs to treat a work-related illness.
Repetitive Injury – Not all work-related injuries happen in one single incident. Repetitive injuries can take months or even years to develop. Workers’ comp can help cover the costs to treat repetitive injuries, like carpal tunnel.
Missed Wages – Employees hurt or sick on the job can receive partial replacement of loss wages.
Ongoing Care – Sometimes ongoing care is needed for a work-related injury or illness. For example, physical therapy or rehabilitation may be needed to treat an employee. Workers’ comp can help cover these costs.
Funeral Costs – If there is an employee death due to a worker-related accident, the employee’s family can receive benefits to help cover the funeral.
Disability – Some work injuries are so severe that employees may never be able to return to work. Sometimes a disability may prevent an employee from returning to work in the same capacity. Disabled employees can receive benefits to help pay for medical bills and lost wages.
Maryland Workers’ Compensation Laws
Each state has its own unique workers’ compensation systems and regulations. No two states have exactly the same laws or regulations. The respective laws and courts in each state control the program.1
Maryland employers have to get workers’ compensation insurance. Employers may also apply to become a self-insured employer. This requires prior approval from the Workers’ Compensation Commission.
An employer may have to pay a penalty up to $10,000 for not having coverage. If the employer is a corporation, the officers responsible for the general management pay the fine.2
Maryland Workers’ Compensation Commission
The Maryland Workers’ Compensation Commission can provide resources for both employees and employers. Necessary forms and materials are provided at no charge. The Commission also has a variety of ways to check in on your workers’ compensation claims. You can check your claim status online through the Public Claim Data Inquiry. You can also check your claim status by phone at any time by calling 1-410-864-5100.
Maryland Workers’ Compensation Rates
Workers’ compensation insurance costs can include:
- Insurance premiums
- Payments made under deductibles
- The administrative costs of handling claims and making reports to the state and your insurer
Workers’ compensation rates in Maryland are dependent on a few things, such as:
- What impairments and injuries are covered
- How impairments are to be evaluated
- How medical care is to be delivered
Maryland Workers’ Compensation Claims
To file a claim for workers’ compensation in Maryland, visit our workers’ comp claims page today.
This article provides general information, and should not be construed as specific legal, HR, financial, insurance, tax or accounting advice. As with all matters of a legal or human resources nature, you should consult with your own legal counsel and human resources professionals. The Hartford shall not be liable for any direct, indirect, special, consequential, incidental, punitive or exemplary damages in connection with the use by you or anyone of the information provided herein.