Henderson Brothers Insurance Agency

Workers' Compensation

Are you injured because of an accident or illness at work? If so, you are on Workers’ Compensation. Workers’ Compensation was first enacted in Maryland in 1902, which was then called Workman’s Compensation, to reduce the need for litigation between employees and employers. 

Workers’ Compensation benefits are a form of insurance that is available to employees who suffer an on-the-job injury or illness. If a physician deems that an employee must take time away from work to recover, then the employee will be reimbursed for lost wages and medical expenses relating to treatment and rehabilitation. The wage reimbursement is typically a percentage of the regular wages earned by the employee.

If you have an on-the-job injury or illness:

• Notify your supervisor to fill out a report.
  
  
• Seek medical attention to determine your treatment options and the amount of time you must be away from work. Benefits will be paid at a weekly rate specified by the state in which the accident occurred.
  
  
• You may be required to take an Independent Medical Exam conducted by a medical professional other than your treating physician. This is done so that insurance carriers and employees can confirm the original diagnosis and treatment plan.
  
  
• Once you, your employer and your treating physician determine that you can get back to a transitional or regular position, normal duties will resume.

To learn more about what happens while you are out on Workers’ Compensation, please download The Employee’s Guide for Workers’ Compensation Benefits.