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Workers Compensation is compensation system designed to provide immediate payment of medical expenses and your lost wages or salary without delay. Workers’ Compensation is a humanitarian law. Workers Compensation applies to all workers including those without a work permit or work authorization.
That means that even if the worker is undocumented, the law in Maryland, Virginia and the District of Columbia provides coverage or benefits to all workers injured on the job.
At Malouf & Associates, we represent individuals who are involved in any accident which takes place while that person is working. In those cases, it does not matter if the injured worker was at fault for the accident in Maryland, Virginia and the District of Columbia.
Most workers’ compensation benefits provide for the payment of:
• Lost salary or wages;
• Medical expenses;
• Reimbursement for prescription medications;
• Cost of travel to and from all health care providers;
• Compensation for permanent injuries;
• Compensation for any wage-loss benefits;
• Compensation for any disfigurement from the work-related accident; and
• Cost of living increases.
Workers’ compensation laws are designed to help workers injured on the job, and require the insurance company to pay for benefits quickly even if the workers were not being paid by check or even if the worker is not known by his or her real name.
With some exceptions, each jurisdiction in the Washington-Metropolitan Area requires that an employer provide workers compensation insurance coverage to its employees. Failure by an employer to do so may result in a serious fine and or the loss of a license to do business.
However, even if the employer does not have insurance, many jurisdictions have an “uninsured” fund which provides compensation to the workers whose employers did not have valid insurance. Most are called the Uninsured Employer’s Fund. This Fund would pay the workers the same benefits that the employer and the proper workers’ compensation carrier would have been obligated to pay to the worker.
Finally, the law in all three jurisdictions further prohibits employers from discriminating or retaliating against an employee for the filing of a workers’ compensation claim or for seeking benefits by hiring an attorney.
If you have been involved in an accident on the job, you may obtain from information from http://www.wcc.state.md.us/ for a Maryland Case, http://www.does.dc.gov/does/cwp for a District of Columbia case, and for the Commonwealth of Virginia, please see http://www.vwc.state.va.us/forms_work_comp.htm.
To learn more about an on the job accident, please contact our office today for a confidential interview with Joseph A. Malouf.