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What injuries must be reported at work?

Your employer in Maryland probably carries workers' compensation insurance as required under the law. If you get into an accident and are injured at work, you have the right to make a claim under this insurance. However, not every injury is covered. It is important that you understand what injuries must be reported so you can ensure you get proper coverage.

To begin with, the Workers' Compensation Commission explains you must make sure the injury falls under those covered by workers' compensation. The law is pretty specific. The injury must result from an accident that occurs during the course of your employment. This may seem like a simple statement, but it can get complicated.

The incident has to have been accidental. If you did something to lead to the accident that was against the rules or the law, then it will not be covered. It also has to happen while you are working. This means while you are doing your job duties. If it happens outside your work hours and you were not operating under the direction of your employer, it may not be covered.

It may seem obvious, but you have to be an employee of the company. This may seem obvious, but you need to ensure you are an employee. Some employers hire people on as independent contractors. If you are designated as an independent contractor, you cannot claim benefits under workers' compensation.

Even if you meet all the requirements, there must still be a hearing to determine if you can receive benefits. You must present evidence to back up your claim for it to be approved. This information is for education and is not legal advice.

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