When people go to work, they do not usually anticipate the possibility of being involved in an accident. However, it is possible for workplace injuries to happen. If it does, employees can be comforted with the knowledge that workers’ compensation exists. This is no-fault insurance that provides employees with benefits while they are unable to return to work due to the incident. Employees can be entitled to several benefits in the state of Maryland, including the following:
Temporary Total Disability Benefits
This is provided during what is known as the “healing period.” If the employee sustained a disability that prevents them from returning to work at all, they may be able to receive temporary total disability benefits. If this period of disability is 14 days or less, the benefit payments may not be allowed for the first 3 days except for hospital payments, nursing or other medical services, funeral expenses, or medicine. If the period lasts more than 14 days, the compensation is allowed from the date of the disability.
Temporary Partial Disability
This is available to an injured employee that is in the process of recovery when they are not totally disabled. The payments are intended to be temporary and are applied when the employee can only perform limited or part-time duties at a reduced income level.
Permanent Total Disability Benefits
Some accidents may result in an employee’s permanent, total disability. This may be if both arms, eyes, feet, hands, legs, or a combination of the previous are totally disabled.
Permanent Partial Disability Benefits
This includes injuries that do not leave a worker permanently, totally disabled but result in some permanent impairment. This person may receive a minimum weekly compensation of $50 unless their wage was less than that. In that case, they can receive compensation that equals their average weekly wage.
The injured individual may be provided compensation for any medical necessities such as:
- Medical or surgical treatment
- Hospital and nursing services
- Crutches or other apparatus
- Prosthetic appliances
Wage Reimbursement Benefits
Under the Workers’ Compensation Act, the injured employee may recover compensation for lost wages due to time spent out of work for injury-related examinations or medical treatment.
Vocational Rehabilitation Benefits
Disabled employees are entitled to vocational rehabilitation services including:
- Vocational assessment
- Vocational evaluation
- Vocational counseling
- Vocational rehabilitation plan development
- Vocational rehabilitation plan monitoring
- Vocational rehabilitation training
- Job development
- Job placement
If you have become the victim of an on the job injury, it may be beneficial to speak with an attorney and the doctor that is treating you to determine how to make the process as easy as possible. AllianceMeds understands that a workplace accident can be challenging and is here to help. We will deliver your medication to your door using overnight delivery and cover any out of pocket expenses that may arise. If you have any questions about how we can help, contact AllianceMeds today.