Workers Compensation Lawyer Towson MD

3 Requirements for Workers Compensation Coverage

As a top workers compensation lawyer Towson MD can provide, our law firm understands that work-related injuries and illnesses can be complicated. Workers compensation programs are state-regulated insurance programs that aim to provide financial assistance to those in need after a work injury. However, as an experienced workers compensation lawyer Towson MD trusts would probably know, workers comp programs aren’t always simple to figure out.

Furthermore, injured workers might also feel hesitant to file a claim when they aren’t sure if they have a chance of receiving payments. Filing a workers compensation claim can be an arduous process, as a seasoned workers compensation lawyer Towson MD can provide might attest. Here’s a quick look at three main requirements necessary for the typical workers compensation claim:

1. The employer must be covered under a workers compensation policy.

Workers compensation policies are often described as state-regulated insurance policies. It is important to keep in mind that state laws pertaining to workers compensation coverage may vary from state to state.

Some states allow nonprofit organizations — even large ones — to opt out of workers compensation; other states require that an organization with just one employee must have a workers comp policy. The industry of the business might also affect if that business is required to have a workers compensation policy. When an injured person’s employer does not hold a workers compensation policy, the injured employee cannot file a workers comp claim.

2. The injured party must be an employee of the company.

This requirement might seem obvious, but it can be an important factor in situations where a customer or passerby is injured.

On a construction site, for example, passerby who is injured on the site cannot claim compensation through the construction company’s workers compensation policy. If a truck accident occurs and another driver is injured, the driver cannot claim compensation through workers comp — although the truck driver might be able to, if he/she sustained an injury. Instead of filing a workers compensation claim in these cases, any other injured parties would have to seek compensation through a personal injury claim.

3. The injury or illness must be directly related to a job duty.

This is sometimes the most difficult part of a claim, as a top workers compensation lawyer Towson MD trusts might know. Claimants must be able to prove that their injury or illness directly stemmed from an essential job duty.

As any experienced workers compensation lawyer in Towson MD might know, workers compensation policies can provide important assistance to injured employees who experience financial losses after a work-related injury or illness. However, these policies do operate similar to other types of insurance policies. In other words, the insurer and the business covered under the policy likely want to limit the number of claims that are accepted and paid out. The more claims are accepted, the less money the insurer brings in. It is not always easy to prove that compensation is deserved.

If you’ve been involved in a work-related accident, you might be considering contacting a Towson MD workers compensation lawyer. Our legal team has had extensive experience fighting for our clients when a workers comp case doesn’t go as smoothly as expected. For more information about our firm, or to speak with a workers compensation lawyer Towson MD trusts about your own workers compensation claim, contact us today.