Workers Compensation in Maryland
State-specific overview · Employment Law
Maryland requires most employers to carry workers' compensation; the state fund competes with private insurers.
How Maryland treats Workers Compensation
Maryland mandates workers' compensation coverage for employers with three or more employees (one or more in construction). Employers can obtain coverage through the state fund (the Maryland Workers' Compensation Commission) or approved private insurers. Benefits include full medical coverage, wage replacement at two-thirds of average weekly wage up to a state maximum, and death benefits for fatalities. Maryland also requires employers to post notices informing workers of their rights and the claims process.
The general definition of Workers Compensation
Insurance that provides medical benefits and wage replacement to employees injured during work.
Workers compensation is a form of insurance that employers are required to carry to protect employees who are injured or become ill as a result of their job. When an employee is hurt at work, workers compensation covers medical expenses, rehabilitation costs, and a portion of lost wages while the employee recovers. In exchange, the employee generally gives up the right to sue the employer for the injury. The system is designed to provide quick, predictable benefits without the need for a lawsuit. Benefits vary by state and depend on the severity of the injury.
Read the full Workers Compensation entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in Maryland.