Why can filing your workers compensation claim in the wrong state cost you hundreds of dollars every week? Especially if you are a union worker, high income earner or have been working a lot of overtime before your injury?
D.C., Maryland and Virginia workers compensation benefits are 2/3 of your average weekly wages at the time of injury - but here's the catch. There is a maximum compensation rate, or cap, on the amount of weekly benefits.
Washington, DC is significantly higher than Maryland and Virginia.
How can that affect you? If you file in the wrong state and your case is supposed to be in Washington, DC, you could lose hundreds of dollars every week.
And if you were working on a Maryland jobsite for a Maryland employer and were hurt in Maryland, that's just the way it goes. But what if your case could have been filed in D.C.? What if you live in Maryland but were hurt in DC and regularly work in DC.
Don't let the adjuster trick you into filing in Maryland. You see, insurance companies know the benefit rates are lower in Maryland and Virginia - that's why they send you forms to file in one of those states. And many people don't know there's a difference.
Here's another catch - once you file and accept benefits in another state, you can't get workers compensation benefits in D.C.
How do you make sure you're doing the right thing and not costing your family hundreds of dollars every week? Start by reading Protect Your Rights: The Ultimate Guide to D.C. Workers Compensation, or if you're a union worker, The Union Worker's Guide to Workers Comp.
Have questions? Just call us at (202) 393-3320. But don't wait - timing is everything.
Don't make this mistake - its just too costly to you and your family.