If you were injured at work, then your need for workers’ compensation benefits is likely abundantly clear to you. That clarity may not be shared by your employer, though. Many Baltimore employers and their insurers actively work to deny liability for work-related injuries, limiting the rights of victims to access benefits for their lost wages and medical care.

As an injured worker, you deserve better. Oftentimes, the most effective way to ensure your rights are respected and upheld is to secure the legal representation of a workers’ comp attorney. If you’re still wondering whether you need an attorney for a workers’ compensation claim in Maryland, we hope that the following blog will provide the information you need to make a thoughtful decision.

When someone owns a property in Maryland, the law requires them to keep those premises safe for people who live and visit. That includes things like maintaining walking areas and keeping the premises safe from fall hazards. But it also means protecting against foreseeable crime.

So what is negligent security? Negligent security means that a crime could have been prevented (or at least made less likely) if adequate security measures had been in place. It means there was a failure to prevent foreseeable criminal conduct from happening on the property.

The cost of higher education has been rapidly outpacing earning potential for at least 30 years. Since the 1991-92 school year, tuition at a four-year public college has ballooned from an average of $4,160 per year to $10,740—a price point that is out of reach for the average student and their family.

This rapid acceleration in college tuition has led to a growing financial crisis. Parents are increasingly taking on this debt for their children, too, with the average parent student loan balance averaging $35,000 in the 2018-19 school year. Altogether, approximately 44 million people in America are carrying a combined $1.7 trillion in student loan debt.

There are at least 3 million workers in the state of Maryland. Of those, an estimated 3% of them suffer occupational illnesses or work-related injuries annually, according to the Maryland Department of Health.

Maryland law requires most employers to have workers’ compensation insurance coverage to cover the medical bills, a portion of the lost wages, and other expenses their employee incurs if they get hurt or fall ill on the job. However, not all workers are eligible for these benefits.

This is just one of Maryland’s many workers’ compensation laws that can be beneficial for you to know about. Some others are included below.

The job of a treating physician in a workers’ compensation case is to diagnose your condition and provide a suitable treatment plan. It seems straightforward—like any other case of injury or illness a doctor handles.

But things can be much more complicated than they seem. Doctors handling workers’ compensation cases have to consider much more than just your physical condition.

As such, choosing a physician in your workers’ comp case is an important task. You need someone who is not just a top-notch medical care provider but who will also be your advocate when the insurance company tries to take away your right to fair compensation.

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.