A serious work injury causes immediate stress. We know that surviving a workplace accident leaves you feeling overwhelmed, vulnerable and facing sudden financial strain. The initial choices you make right after an accident heavily dictate your recovery, yet simple procedural oversights often cause the state to deny perfectly valid claims.
Failing to provide timely employer notice
A critical step occurs immediately after your accident. You must report your workplace injury to your employer within 10 days of the incident. This notice can be given orally or in writing. If you fail to notify your employer within this timeframe, the insurer may attempt to deny your claim.
Relying on the insurance company for medical care
The insurance adjuster may try to direct you to a specific doctor. You do not have to use their preferred medical provider.
Under Maryland law, you have the right to choose your own treating physician. A doctor selected by the insurance company may try to downplay your injury or clear you to return to work before you fully recover.
Missing the state commission deadline
Many injured workers mistake employer notification for filing an official claim. Reporting an injury to your boss does not start your state case. You must file an official claim form with the Maryland Workers’ Compensation Commission.
As of July 2026, the strict statute of limitations requires you to file this official claim within two years of your accident. If you miss this deadline, you lose your right to collect benefits.
Protect your right to recovery
Filing a claim involves navigating strict procedural rules. You will need a lawyer who can handle the complex paperwork and defend your rights against insurance adjusters who want to minimize your payout. Speaking with a qualified workers’ compensation lawyer can help protect your physical and financial health.