Most employees are covered under their employers' workers' compensation insurance when they are injured at work. Find out what to do if your employer does not carry workers' compensation insurance here.
Workers' compensation rates are the amount you get to replace your lost income now that you can't work because of an injury. Let's say you have a torn rotator cuff or herniated disc in your back from lifting something on the job. Your doctor says you can't return to work because of the injury. And you've heard that workers comp pays 2/3 of your pay. So why does it matter where your workers comp claim is filed?
Because DC, Maryland and Virginia have very different workers comp systems. And if you have a choice, you need to file your claim in the jurisdiction that is best for you and your family.
Especially if you are a high wage earner - because each state and DC has a maximum rate. So no matter how high your income, you will be capped at that max rate.
What are the differences in the maximum workers comp rates?
In DC, the maximum compensation rate is $1,466.29/wk.
In MD, the maximum compensation rate is $1,037/wk.
In VA, the maximum compensation rate is $996/wk.
Look at the rate for DC and compare it to the lowest rate in MD, for example. It's almost a thousand dollar difference in benefits per week.
That means you need an experienced lawyer who will ensure you're filing in the right place and at the right time. It's one of the 5 Common Mistakes That Will Kill Your Compensation Case - and we'll give you information you need so you don't fall into the insurance company trap by signing the forms they send you.
If you or someone you know is looking for a workers' compensation lawyer to fight for you, then give us a call at 202-393-3320 to get you started on protecting your rights at your job. Whether you've been in an accident at work, or need some general information about what to do when you've been hurt, our free guides, reports and the 115 page book on workers compensation written by a practicing workers comp lawyer Protect Your Rights: The Ultimate Guide to DC Workers' Compensation will help as you navigate a difficult system that favors insurance companies.