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Maryland Workers’ Compensation Law Reference Chart for Adjusters, Produced by AI

17 Aug, 2025 Frank Ferreri

                               

Adjuster EssentialsCore BenefitsClaims HandlingLegal ProcessesCompliance & PenaltiesResources

Adjuster Essentials

  • Governing Law: Maryland Labor & Employment Code Annotated § 9-101 et seq.; COMAR Title 14, Subtitle 09
  • Oversight Agency: Maryland Workers’ Compensation Commission (WCC)
  • Key Forms: C-1 (Employee Claim Form), C-6 (Notice of Termination of Temporary Total Disability Benefits)
  • Notice Deadlines: Injury must be reported within 10 days; formal claim must be filed within 2 years

Core Benefits Overview

Benefit TypeDetails
Medical BenefitsCovers all necessary and reasonable treatment. No co-pays or deductibles
Temporary Total Disability (TTD)2/3 of average weekly wage (AWW), up to state max (e.g., $1,338/week in 2023)
Temporary Partial Disability (TPD)Based on wage differential
Permanent Partial Disability (PPD)Based on body part and impairment rating
Permanent Total Disability (PTD)For injuries preventing any substantial gainful activity
Vocational RehabilitationJob training and placement if unable to return to prior work
Death BenefitsFuneral expenses and wage replacement to dependents

Claims Handling Procedures

  • Employee reports injury to employer
  • Employer files accident report if >3 days lost time
  • Employee files C-1 with WCC
  • Employee may choose provider; employer may request IME
  • Termination of benefits requires C-6 Form with medical support and notice to claimant
ProcessDetails
HearingsConducted by WCC Commissioners
MediationOptional step before formal hearing
AppealsTo Circuit Court within 30 days of WCC decision
Fraud PenaltiesCriminal penalties for fraudulent claims or misrepresentation

Employer Responsibilities & Penalties

  • Insurance is mandatory for most employers
  • Employers must post notices informing employees of rights and procedures
  • Penalties include up to $10,000 fine and 1 year imprisonment for failure to insure
  • Retaliation against claimants is prohibited

Resources for Adjusters

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About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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