In Maryland, employers are legally required to carry workers’ compensation insurance. If they don’t, they can be liable for medical and disability costs resulting from a workplace injury or illness. As an employee in Maryland, it is important that you understand your rights and how workers’ compensation insurance coverage affects you.
What is Workers’ Compensation Insurance?
Workers’ compensation insurance is a type of insurance that covers medical and disability costs incurred in the course of work duties.
It also provides death benefits for the dependents of an employee if they die as a result of their work. The purpose of workers’ compensation insurance is to protect employees from financial losses caused by workplace injuries or illnesses. It also helps everyone avoid the court system and personal injury lawsuits.
Do All Employers Need Workers Comp Insurance?
In Maryland, most employers are required by law to carry workers’ compensation insurance. However, some exceptions exist, such as sole proprietorships with no other employees (other than the owner) and certain types of family businesses. It is important to note that even if an employer does not have to carry workers comp insurance by law, they may still choose to do so voluntarily to protect themselves from legal liability stemming from workplace injuries and illnesses.
What Does This Mean For Me?
It means that you should be aware of whether your employer has workers comp insurance coverage or not. If they do not have it, then you should make sure you are familiar with the laws surrounding workplace injuries and illnesses in Maryland so that you know how best to proceed if an accident does occur at work. Even if your employer does have this type of coverage in place, it’s still important for you to understand your rights under the law. This makes your decisions about what to do easier to make.
Every employee in Maryland should be aware of their rights when it comes to workers’ compensation insurance coverage provided by their employers. This type of coverage protects employees from financial losses incurred due to work-related injuries and illnesses. Knowing whether or not your employer has it is essential for ensuring you handle your claim correctly should something happen while on the job.
Make sure you understand the laws surrounding this topic in Maryland so that you can make informed decisions regarding any claims related to workplace incidents. Doing so will help keep you safe and financially secure as an employee in Maryland!