Work Injury or Auto Accident?
To be covered under workers’ compensation, an employee must have received an accidental personal injury while working (“on the job”). The injury must have arisen “out of and in the course of employment” in the words of the law. Not all workplace injuries are compensable. If your injury is determined to be covered then the employer or the employer’s insurance carrier will provide medical and hospital treatment and partial income replacement benefits until you can return to work or until you reach maximum medical improvement. Benefits usually cover medical expenses, payments for incapacity to work (both temporary and permanent disability), and, often, vocational rehabilitation. You will receive temporary total disability payments so long as you are unable to work because of the accidental injury or until you reach maximum medical improvement.
All doctor bills, hospital bills, physical therapy, prescriptions and necessary expenses related to the accidental injury are covered by this insurance up to the limits established by the Official Maryland Workers’ Compensation Medical Fee Guide.
After you are injured on the job, several people will work with you to decide when you will return to work and what work you will do. These people include your treating MD, managers who represent your employer, and a claims administrator (usually known as a claims adjuster) handling your claim for your employer. All WC patients have a claims adjuster that works for the WC insurance company, and they help manage and authorize treatment for the case
It is important for the MD, claims administrator, and physical therapist to understand what activities the patient did for work before being injured, and what activities are limited with returning to work. Therapy will still include manual interventions (active/passive range of motion, manual stretching, and soft tissue and joint mobilizations), stretching, and injury specific strengthening and stabilization, but Montgomery Therapy will also include job specific strengthening and training with the goal to return you as quickly as possible to your job or type of job.