Workers’ Compensation Attorneys in Gaithersburg, Maryland
Workers’ compensation insurance policies are a compromise between employers and employees. The insurance, in theory, protects workers from the injuries that they may suffer on the job and protects employers from the threat of costly litigation.
If you were injured at work in Gaithersburg, Maryland, you understand how difficult it can be to recover from a work-related injury, and how such events can impact your health, family, and finances.
The workers’ compensation system can offer you help, but only if you can navigate the system effectively and understand your rights. An experienced Gaithersburg workers’ compensation attorney can help ensure that you are treated with fairness and that you are able to recover the compensation that you need.
Call Berman, Sobin, Gross, Feldman & Darby LLP today at 301-670-7030 to speak to one of our experienced Gaithersburg workers’ compensation attorneys. We have been representing injured workers for decades and are here to help you through the process.
What Does Workers’ Compensation Insurance Cover for Injured Gaithersburg Workers?
When a person is hurt on the job, workers’ compensation insurance should step in to provide that person with certain benefits. The idea of workers’ compensation is to prevent medical expenses and lost wages from causing an injured person and his or her family to suffer financially. Benefits include:
- Medical coverage for expenses related to the injury
- Rehabilitative treatment
- A certain percent of lost wages or earnings
- Retraining support to help the person return to the workforce
- Death benefits for the family if the worker dies on the job
Workers’ compensation is different from a personal injury lawsuit in that it will not cover harm like pain and suffering that lawsuit damages would include. Benefits are calculated by an adjuster who looks at the actual cost of care and treatment, plus the need to miss work. While this may sound fairly straightforward, such is not always the case.
Sometimes, the benefits offered by the insurer may not even come close to what the injured person believes is necessary for his or her recovery. Because of this, it is important to speak to an attorney. Contacting a Gaithersburg Workers’ Compensation attorney right away will help prevent you from getting into tricky situations with the insurance company. For instance, the policy might not offer coverage for certain medical care or certain providers. It is a good idea to understand what will and will not be covered before you accrue thousands in medical bills.
A Gaithersburg workers’ compensation attorney will be able to negotiate on your behalf and help you through the process.
What if I Accidentally Caused My Own Injury?
While workers’ compensation policies do not pay out the same sums as a personal injury claim would, these policies don’t require proving that another party was negligent in causing the accident. To have a successful personal injury claim, the plaintiff must show that another person caused the injury through an act of negligence. In the case of workers’ compensation, the injured person could have accidentally caused his or her own injury, and that will not prevent the person from being covered by the policy.
In exchange for coverage that will nearly always apply, the worker forfeits the right to file a lawsuit. In this way, the employer also benefits because the policy will prevent them from being sued and having to engage in costly litigation.
Are There Exceptions When the Policy Will Not Cover My Injuries?
While you can negligently cause your own injuries and still be covered, there are some situations the policy will not cover. If you were injured while carrying out a crime at work, you might see your claim denied.
What Are Some Common Injuries Covered by Workers’ Compensation?
On-the-job injuries are unfortunately common. In Maryland, tens of thousands of workers suffer injuries every year. Most workers’ compensation claims will apply to injuries, but the policies also cover work-related illnesses. Some common worker injuries include:
- Slips, falls, and trips
- Overexertion injuries from frequent bending and lifting
- Injuries caused by being struck by an object
While some injuries are the result of a one-time accident, others develop because of repeated actions like lifting heavy objects. Although it can be harder to show that your job caused a gradual injury, these claims should be covered by workers’ compensation insurance. Illnesses can also make for more complicated claims, but if they are work-related, the policy should apply. A Gaithersburg workers’ compensation attorney can help you navigate the system and prove your claim.
How the Gaithersburg Workers’ Compensation Attorneys at Berman, Sobin, Gross, Feldman & Darby LLP Can Help
Berman, Sobin, Gross, Feldman & Darby LLP’s workers’ compensation attorneys have been working for years to help people injured at work get the compensation that they need. If your claim was denied or underpaid or your benefits were terminated prematurely, we know the law and procedures to make sure you get the compensation you need and are entitled to under the law. Call us today at 301-670-7030 to schedule a consultation with one of our compassionate Gaithersburg workers’ compensation attorneys.