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Maryland Workers' Compensation Attorneys > Blog > Workers' Compensation > What Can You Do If Your Employer Doesn’t Have Workers’ Compensation Insurance?

What Can You Do If Your Employer Doesn’t Have Workers’ Compensation Insurance?


If you are injured on the job and your employer does not have workers’ compensation insurance, understanding what to do can be difficult. In Maryland, employers are required by law to have workers’ compensation insurance for their employees. For those who find themselves in a situation where their employer does not have this coverage, it is important that they know how to proceed to receive the benefits they deserve.

If you were injured in a workplace accident or developed a work-related illness but found out that your employer doesn’t have workers’ compensation insurance, our attorneys at Berman | Sobin | Gross LLP can help. We will assess your unique situation and advise you on your options for compensation.

Many Employers in Maryland Do Not Have Workers’ Compensation Insurance

No matter how safe we try to be at work, accidents still happen. Unfortunately, some employers take advantage of these situations by not carrying workers’ compensation insurance when it is legally required of them. Although this can create added stress during an already difficult time, individuals injured on the job in Maryland should understand that there are resources available that can provide assistance while they recover from their injuries and return back to work as soon as possible.

Hiring an attorney knowledgeable in state laws regarding worker’s comp may also be beneficial since they understand how best to navigate these claims processes and make sure all parties involved are held accountable according to state law. If your employer does not have workers’ compensation insurance, it is important that you seek legal counsel right away so that you can fight for what rightfully belongs to you under the law—the full protection of workers’ comp benefits regardless of whether your employer carries insurance or not.

Seek Medical Attention First

The first step after an injury is always to seek medical attention; even if you think your injuries are minor or you don’t experience immediate pain, it is always best to get checked out by a doctor as soon as possible. This will ensure that any injuries are documented and treated right away.

File a Claim with the Uninsured Employers Fund (UEF)

Once you have received medical treatment, you should file a claim with the Uninsured Employers Fund (UEF). The UEF provides compensation for medical bills and lost wages when an employer does not carry workers’ compensation insurance.

To file a claim, visit the Maryland Workers’ Compensation Commission website for information about the process and forms required for filing a claim with UEF. It is important to note that claims must be filed within one year of your injury date or two years from when your last disability payment was made in order for them to be considered timely.

Hire a Workers’ Compensation Attorney

When filing a claim with UEF, having an experienced attorney on your side can make all the difference in getting the benefits you deserve. An attorney can help guide you through the claims process and work with UEF on your behalf if there are any disputes or delays in receiving benefits.

Additionally, a lawyer may also be able to help secure additional benefits such as reimbursement for travel costs associated with seeking medical treatment or assistance in finding alternative means of financial support while waiting for approval of benefits from UEF.

Discuss Your Case with a Workers’ Compensation Attorney Today

The Maryland workers’ compensation attorneys at Berman | Sobin | Gross LLP assist individuals who have been injured on the job or developed an occupational disease. We can help you pursue the compensation to which you are entitled, even if your employer does not have workers’ compensation insurance. Schedule a free consultation by calling 800-248-3352.

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