There is a risk of injury with any type of job. Whether you’re working in construction or an office, you can be injured by lifting a heavy object, repetitive movement, or even an infected paper cut.

If you do sustain an injury while working, the workers’ compensation insurance program is in place to cover your medical expenses and lost wages. These are the kinds of benefits that most employees are aware of but have fortunately never had to use.

Your company’s workers’ compensation program is paid entirely by your employer. In exchange, when you accept those benefits, you aren’t entitled to sue your employer for damages. This is commonly referred to as “the compensation bargain.” Although the program is designed to provide support for any worker injured on the job, it is not guaranteed.

Do you know the history behind workers’ compensation? It is all about fairness.

If you’re drowning in tax bills, you are probably looking for a way out of the situation. Tax debt can feel heavy because it is not just a credit card company or medical provider you owe; it is the government.

Many Maryland residents facing financial hardship might wonder whether bankruptcy can wipe out tax debt.

Well, the answer is not so simple. Here is a look at whether you could qualify for the discharge of these heavy debts.

The first thing you do after getting into a car accident is to check for injuries. The second thing you do is assign blame. In some instances, it may be easy to determine who is responsible for an accident, but what if a dispute arises?

Many states apply a comparative negligence approach for seeking compensation after a car accident. That means that both drivers can be partially at fault and still get compensation.

It’s not like that in Maryland.

Maryland applies the pure contributory negligence rule. That means even if you’re just 3% at fault for a car accident, you would not be entitled to receive any compensation. That is why it is so important to clearly determine who is 100% responsible for a car accident.

It will help to speak with a skilled Baltimore car accident attorney like the team from Belsky & Horowitz, LLC. We have a dependable network of accident investigators who examine an accident from all angles.

Here’s how you know if the car accident was your fault:

Workers’ compensation laws are meant to protect employees who suffer injuries or illnesses related to their jobs. The system provides financial support to help with medical expenses, lost wages, and rehabilitation services, while making sure that workers don’t have to prove fault to receive benefits.

However, not every worker or injury qualifies for coverage, and understanding the eligibility requirements is critical.

Knowing who qualifies for workers’ compensation in Maryland helps employees secure the benefits they need after an unexpected accident or illness.

Workplaces across Maryland range from busy construction sites to quiet office spaces. While each environment carries its own risks, work-related injuries can happen anywhere. Some are the result of sudden accidents, while others develop slowly over time from repetitive stress or hazardous conditions.

For workers and employers alike, understanding the most common types of work injuries in Maryland, as well as the workers’ compensation laws that apply, is essential for prevention and for knowing what steps to take if an injury occurs.

Workplace Injury Trends in Maryland

Maryland workers face risks that mirror national trends but also reflect the state’s industries.

With a strong presence in healthcare, construction, manufacturing, and transportation, Maryland sees high rates of injuries tied to physical labor and repetitive tasks. At the same time, office workers encounter hazards such as slip and falls, ergonomic strains, and stress-related conditions.

No job is completely risk-free, which is why state and federal safety regulations play such a vital role in protecting employees.

Getting injured at work can throw your whole life off balance. Between the medical bills, missed paychecks, and all the paperwork, it’s easy to feel stressed. But there is an agency to help you through the process: the Workers’ Compensation Commission (WCC).

So, what is the Workers’ Compensation Commission? They can help guide you through the process, make sure you get the workers’ comp benefits you’re entitled to, and help take some of the stress off your shoulders. While they don’t replace legal advice, they can help get you started with your claim.

Getting hurt at work is stressful enough, and figuring out paperwork should not make it worse.

When you file a workers’ compensation claim in Maryland, you might wonder: Who will find out about this? The answer can take a lot of the guesswork and anxiety out of the process. From your employer to their insurance company, and the state agency that oversees claims, there’s a chain of people who need to be in the loop.

Knowing who gets notified when a workers’ compensation claim is filed and why that can help you feel more confident that your claim is moving along the right way.

Your Employer

Your employer is the first to hear about your claim. When you file, your employer is expected to submit an Employer’s First Report to the Maryland Workers’ Compensation Commission (WCC). This is the first official notification that someone was injured on the job.

Your employer needs to respond properly. That means reporting the injury to their insurance and making adjustments for you, like light duty or time off. In Maryland, you need to let your employer know about your injury within 30 days. The employer must file if your injury keeps you from working more than three days.

A bankruptcy is an opportunity for a family or business to undergo a financial “reboot.” It can bring relief for the kind of crushing financial burdens that create stress and anxiety.

Depending on the type of bankruptcy claim you are filing, you could either have some of your existing debt forgiven or be put on a manageable repayment plan. In either scenario, you have the opportunity for a fresh start to rebuild your finances.

It is essential to recognize that merely accumulating a certain amount of debt does not guarantee bankruptcy approval. It has to be approved by a bankruptcy court after a detailed filing process.

That’s why you’ll benefit from speaking with an experienced Baltimore bankruptcy attorney, such as those you’ll find at Belsky & Horowitz, LLC. We have helped many clients navigate the complexities of filing for bankruptcy approval.

When a major piece of art goes up for auction, it is typically sold for significantly more value than when it was originally purchased. That is a clear example of how an item goes up in value the longer it is owned. That is not the case with most cars. The value of your vehicle began depreciating the moment you drove it off the dealer’s lot.

Overall, your car’s value is determined by some of the following factors:

• Mileage
• Condition
• Color
• Options and add-ons
• Where you reside
• Accident history

How much your car is worth at the time of an accident will determine the level of compensation you can receive from a claim. What does it mean if your car was totaled? That will be the final determination about the post-accident value of your car.