Belsky Weinberg & Horowitz, LLC A Personal Injury & Workers’ Compensation Law Firm

Is my injury covered by work comp insurance?

From drafting a report and making client phone calls to manning a station on the assembly line and putting pallets where they belong, most employees -- regardless of their chosen field -- have only one concern during the typical workday: completing their assigned duties. In other words, the last thing on their minds is the possibility of suffering a serious work injury.

While this is understandable, the unfortunate reality is that work injuries occur on a regular and altogether stunning basis. Indeed, data from the U.S. Bureau of Labor Statistics reveals that in 2014 alone, private employers reported nearly three million nonfatal workplace injuries and illnesses, a rate of roughly 3.2 cases per 100 full-time workers.

As disconcerting as numbers like these are, workers here in Maryland can derive some comfort from the fact that their employer has workers' compensation insurance, as mandated by state law, and that it is designed to cover medical expenses, lost wages and other associated losses.

The question naturally arises then as to who exactly is considered eligible for work comp benefits here in the Old Line State.

State law dictates, in part, that in order for a work-related injury to be considered covered, the harm endured must have been the result of an "accidental personal injury arising out of and in the course of employment."

On the surface, this seems like a fairly straightforward determination, such that if a person is hurt "at work" or "on the job," they'll qualify under the statute. As it turns out, however, far more is required. Indeed, each phrase in the statutory language outlined above has a very precise meaning that must be met in order for a person to be considered entitled to work comp benefits.

We'll explore these meanings in our next post ...

If you have been injured on the job and the insurance company has denied your claim for work comp benefits, consider speaking with an experienced legal professional to learn more about your options.

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