Insurance companies, workers’ compensation ones included, are in the money-making business. Their goal is to profit from collecting insurance premiums, not incur further debt.

Maryland workers’ comp insurance providers pursue a debt recovery process called subrogation whenever possible to minimize or eliminate their losses. Below, we’ll provide a more in-depth explanation of what the subrogation process entails and who it impacts the most.

It can be terrifying to realize that you have more debt than you can handle, but even more terrifying for some people is the uncertainty of bankruptcy. Will they ever recover financially? Will their credit scores be forever impacted? Will all their debt be handled?

This process shouldn’t be a mystery. At Belsky & Horowitz, LLC, we want you to be fully informed of all your options and what they entail. With that in mind, let’s look at what happens after you file for bankruptcy in Maryland.

If you suffer an on-the-job injury or occupational illness, the first place you’ll usually turn to seek help is workers’ comp. Workers’ compensation cases in our state are handled by the Maryland Workers’ Compensation Commission (WCC). Almost all employers in MD are required by state law to carry workers’ compensation insurance. These workers’ comp benefits help offset your losses if you are injured or become sick through the course of your employment.

But many injured workers are, understandably, not sure how to file a workers’ compensation claim in Maryland. Filing a workers’ comp claim is a complex process—and not something most people know how to do without having done it before. Furthermore, many employers and their insurers only complicate the process by working to deny workers’ compensation benefits to injured employees or attempting to give out fewer benefits than are deserved.

Many of us head off to work daily in the Baltimore area, never thinking of potential dangers we may face on the job. While there are certainly some Maryland residents who work in high-risk roles, an overwhelming majority of us wouldn’t classify our jobs as such. However, data published by the Bureau of Labor Statistics (BLS) shows that an estimated 2.6 million private sector workers suffer nonfatal illnesses and injuries annually.

The injuries or illnesses these employees are diagnosed with run the gamut from minor to major and include physical ailments and emotional or behavioral ones. Read on where we’ll highlight qualifying injuries and illnesses for worker’s compensation so you’ll be better informed about your rights if you get hurt on the job in Baltimore.

Going to work shouldn’t mean risking your health, safety, or wellbeing. Despite this, approximately 62,600 workers in Maryland suffered nonfatal on-the-job injuries and illnesses in 2017 alone.

When you’ve been hurt on the job and can no longer work, you need access to benefits that will address your lost wages and cover related medical expenses. Determining whether you are covered under Maryland workers’ compensation is just the first step to securing the benefits to which you are entitled.

Whether you call it a pile-up accident, a chain-reaction crash, or a multi-car collision, these names refer to a similar type of wreck involving multiple vehicles. While sorting out liability might seem fairly intuitive when two vehicles are involved in a crash, determining fault in a pile-up accident may seem far less straightforward.

Given the heavy congestion on Baltimore’s roadways, it shouldn’t come as a surprise that our Belsky & Horowitz, LLC legal team handles our fair share of these complex car accident cases every year. Below, we’ll share why these collisions occur, how liability is sorted out, and how that impacts your rights in hopes that this insight can be helpful to you if you’ve had the misfortune of becoming involved in such a crash.

When you are injured at work, your first avenue for obtaining compensation is typically through a workers’ compensation claim. Almost every employer in the state of Maryland is required by law to carry workers’ compensation insurance. Workers’ comp benefits help offset your lost wages and medical bills if you are hurt through the course of your employment.

Do all workers’ compensation cases end in a settlement? Some of them do, but not all. Whether your Maryland workers’ compensation case ultimately ends in a settlement depends heavily upon the unique circumstances of your case.

Negligent security arises whenever security measures are nonexistent, broken, ineffective, or inadequate. When negligent security is an issue, visitors, guests, tenants, and residents of a property can become injured or killed by criminal activity. Crimes as serious as assault, robbery, kidnapping, carjacking, and rape can result due to poor security measures on the premises.

A property owner who fails to protect against foreseeable crimes may be held liable through legal action for the injuries their negligence caused.

Reporting a sexual assault is not easy, and many victims find that the process can often inflict additional trauma on top of what they’ve already suffered. Feelings of guilt and shame, apprehension around authorities, and a fear of not being believed can create seemingly impassable barriers to filing a report.

It perhaps comes as no surprise that, according to RAINN, fewer than one-third of sexual assaults are ever reported to the police. Out of every 1,000 acts of sexual assault, only 50 ever result in an arrest. Belsky & Horowitz, LLC wants to be part of the solution to improve these statistics.

Roadway deaths in Maryland have dropped by 48 percent since 2011. At the same time, distracted driving is responsible for 45 percent of all Maryland vehicle crashes. Eighty-five percent of crashes in Washington and Baltimore now involve distracted drivers.

Researchers believe that over 30 percent of roadway wrecks result from driver error. These collisions could be avoided if people focused on driving instead of distractions and kept their emotions in check on the road.