The Pinder Plotkin Legal Team Can Help!
Insurance for Injured Workers
A lot of people think of Workers’ Compensation as a lawsuit against their employer – that’s not what it is. Workers’ Compensation was designed as insurance to provide medical care, sick pay and other compensation for their workers who are injured on the job. Under Maryland law, Workers’ Compensation is an employer’s responsibility. Worker’s Compensation can also provide you with compensation for injuries which turn out to be permanent.
Although designed to be a “simple and informal system”, often times the workers compensation insurance companies do not view it that way.
Even though you may be a great employee; have a great work record; the insurance company may fight your claim – most often by sending you to a doctor of their choice (who generally make hundreds of thousands dollars a year) to write a report that says whatever is going on with you is either not related to the accident; or you are OK and don’t need the treatment your doctor is necessary.
I have been injured while working, what should I do now?
- Notify your employer right away.
- Seek medical treatment and follow your doctor’s recommendations.
- Contact our office for assistance in filing your claim.
- Keep track of your expenses and lost time from work.
- Do not speak with the insurance company.
Our office has tried hundreds of cases before the Workers’ Compensation Commission since 1988. Our office is consulted by other attorneys to take cases which they feel are too complicated. Experience counts, and our office has the experience to help you through your time of need.
Attorney Fees and Costs
The Workers’ Compensation Laws are designed so that an injured worker does not have to pay money out-of-pocket to hire an attorney. Our fee and expenses are a contingency fee – which means you our fee is paid out of the disability benefits awarded. The law sets out the maximum fees allowable, and all fees must be approved by the Workers’ Compensation Commission.
YOU ARE ENTITLED TO AN ATTORNEY
From the moment the accident occurs, you need to know that an insurance adjuster is going to be reviewing any possible way they can get out of paying in your case. They will want to take your recorded statement – DON’T DO IT!! Many times, the adjuster will delay in paying your lost wages and reimbursing your expenses.
We can gather the medical records; make sure the doctor has expressed his medical opinion in a clear manner; and argue that your doctor knows you better than some insurance company doctor who saw you for all of 5 minutes. Indeed, most of the time our office can tell where the case is heading just by the insurer’s choice of doctor – Are they using a “hack” or an actual real doctor who will give them an honest opinion.
Workers compensation accidents can be life changing events. We have had clients who have lost their chosen careers; and have had to “start over” in a new job with new physical restrictions. In those situations, we push for retraining in a promising career; and fight for any loss of earnings you may experience in the future.
10 Questions to Ask Before Hiring A Lawyer for A Worker’s Compensation Case
- The insurance company wants to assign me a Nurse to “work with me” on my case. Do I have to agree to that?
- The insurance company wants me to go back to work light duty but my boss says they don’t have any work for me? Do I still get paid?
- Does the insurance company have to pay for my mileage to the doctor’s appointments?
- How many weeks of permanent disability does the State of Maryland calculate for a 25% disability to the leg?
- Can you name at least 7 physicians regularly used by insurance companies to deny compensation to injured individuals?
- What are the AMA guides 4th Edition and how do they relate to my case?
- What are the Maryland five factors?
- Can you explain to me, in medical terms, what I just told you was hurting me? Remember, this lawyer will have to explain your injury to a Commissioner, Judge, or Jury. If he doesn’t understand the medical terms, how can he explain it to them?
- Do the terms Thomas and Compton mean anything to you?
- Can you name all the WCC commissioners? Can you name any of them?
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