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As an injured worker, it’s important to understand both your benefits and responsibilities if you're hurt on the job. Read our helpful publication, Guide for the Injured Worker brochure.
Maryland employers, including the State of Maryland, are required by law to either carry workers’ compensation insurance or be self-insured. The State of Maryland is self-insured, meaning that it is responsible, through IWIF, for providing benefits for the payment of medically necessary and reasonable medical treatment and lost wages that are the direct result of a compensable accidental injury or occupational disease.
The following benefits could be covered under workers’ compensation:
Medical bills, prescriptions, and durable medical equipment that are causally related to the injury, medically necessary, and reasonable.
Benefits related to lost wages due to work-related injury.
Benefits related to permanent or partial disability.
Vocational rehabilitation services.
If you sustain an on-the-job injury, seek medical treatment. In life threatening situations or emergencies, call 911 or go to the nearest hospital emergency room.
For less severe injuries, your agency may refer you for evaluation and treatment to the State of Maryland’s contracted occupational medical provider. However, you have the right to choose your physician(s). Your employer, adjuster and nurse case manager are also available to assist you in finding a medical provider for your injury.
AS SOON AS POSSIBLE, REPORT YOUR INJURY TO YOUR SUPERVISOR. YOUR SUPERVISOR WILL NOTIFY IWIF OF YOUR INJURY.
During your recovery, you must keep your employer informed of your work status. Once a claims adjuster and/or nurse case manager is assigned to your claim, you must let them know how your treatment is progressing. It is important that you understand the goal of your treatment is to help you return to regular, full-time employment.