Every state in America has had some kind of protection for employees since the early 1900s, and that hasn’t changed today. If you get hurt on the job, it’s your employer’s responsibility to make sure you get the medical care you need. If the injury ends up being temporary but requires you to stay off work for several days or weeks, you could be compensated for lost wages, too. The same is true if you face a disability; you can seek out compensation for your disability, so you don’t have to struggle without being able to work.
It’s true that not all injuries are going to be covered by the workers’ compensation laws. Injuries are only covered in the state of Maryland if the injury was an accident that happens during the course of employment. Being hurt on the job isn’t enough; it has to be an injury you suffer while performing your job, in other words.
For example, if you’re driving to or from work and suffer a car crash, that won’t be covered. However, if you’re driving to a client’s home and driving is part of your job description, your injuries could be covered by workers’ compensation.
Only employees are covered by workers’ compensation laws, so if you’re an independent contractor, you won’t be able to seek compensation through that process. If you are employed, then your employer is required to have insurance to cover the risk of injury to you or your coworkers. If you get hurt and your employer doesn’t have coverage, you may be able to file a lawsuit to get compensation.
Source: State of Maryland, “Maryland Workers’ Compensation Law,” accessed Jan. 21, 2016