Maryland Worker’s Compensation Terms Quiz

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Questions and Answers

What is the usual method for calculating temporary total disability (TTD) benefits in Maryland?

  • 1/3 of the employee's gross weekly wage, tax free
  • 2/3 of the employee's gross weekly wage, tax free (correct)
  • 2/3 of the employee's gross weekly wage, subject to income tax
  • 100% of the state average weekly wage, tax free

Under what circumstances are temporary partial disability (TPD) benefits provided?

  • When an injured worker has a long-term pre-existing medical condition.
  • When an injured worker is unable to work in any capacity.
  • When an injured worker has reached maximum medical improvement.
  • When an injured worker returns to work with restrictions, but has not yet reached maximum medical improvement. (correct)

What is the maximum cap for temporary total disability benefits?

  • 100% of the state average weekly wage (correct)
  • 100% of the injured employees average weekly wage
  • 50% of the state average weekly wage
  • 1/3 of the state average weekly wage

What is the rate of first-tier permanent partial disability benefits?

<p>1/3 of the injured employee's average weekly wage (B)</p> Signup and view all the answers

What is the purpose of the Subsequent Injury Fund?

<p>To provide additional compensation to injured workers with pre-existing conditions. (B)</p> Signup and view all the answers

What does the Thomas Doctrine stipulate?

<p>Pre-existing medical conditions that worsen after the work-related accident date are not compensable. (A)</p> Signup and view all the answers

When is an injured worker considered to be receiving temporary partial disability benefits?

<p>When they have returned to some type of work with restrictions and have not reached maximum medical improvement. (C)</p> Signup and view all the answers

Under what circumstances might a workers’ compensation award be modified?

<p>Due to an inadvertent error by the Workers Compensation Commission, a reversal on appeal, mistaken facts presented by counsel, or post-hearing agreements. (D)</p> Signup and view all the answers

What is a key difference between TTD and TPD benefits?

<p>TTD benefits are for when an employee is completely unable to work, whereas TPD benefits are for when they have returned to work with restrictions. (D)</p> Signup and view all the answers

What is 'liberal construction' as related to Maryland workers' compensation?

<p>The requirement to interpret the workers' compensation act in favor of the injured worker. (A)</p> Signup and view all the answers

Which of the following best defines 'loss of earning capacity' in the context of Maryland workers' compensation?

<p>Compensation for a worker's inability to earn as much as they did or could have before the accident. (D)</p> Signup and view all the answers

What are the implications of 'permanent total disability' (PTD) in Maryland workers’ compensation?

<p>An award that provides lifetime compensation benefits and ongoing medical treatment. (A)</p> Signup and view all the answers

What does 'nature and extent' relate to within the context of Maryland worker's compensation?

<p>The formal language used when filing for a permanent partial disability award. (D)</p> Signup and view all the answers

What is 'industrial loss' in the context of Maryland Workers' Compensation?

<p>A combination of impairment caused by injury to multiple body parts. (B)</p> Signup and view all the answers

If an injured worker disagrees with the Maryland Workers Compensation Commissioner's decision, what action can they pursue?

<p>Appeal the decision to the proper Circuit Court and request a jury trial. (A)</p> Signup and view all the answers

What is the primary purpose of an 'Agreement of Final Compromise and Settlement' (AFCS) in Maryland workers' compensation?

<p>To resolve a workers' compensation claim through a settlement. (A)</p> Signup and view all the answers

What does 'Back Pay', also known as Temporary Total Disability, refer to in the context of Maryland workers' compensation?

<p>Payment for wages lost while an injured employee is unable to work due to medical reasons. (B)</p> Signup and view all the answers

Which of the following best defines 'Compensability' in a Maryland workers' compensation case?

<p>The initial decision on whether a workplace incident qualifies for benefits under Maryland law. (B)</p> Signup and view all the answers

In a Maryland workers' compensation case, what signifies a 'Contested Case'?

<p>When the insurance company challenges the claim's validity. (B)</p> Signup and view all the answers

What does the term 'Causal Connection' refer to in regards to a Maryland Worker's Compensation case.?

<p>Establishing if medical treatment sought is related to the work incident. (D)</p> Signup and view all the answers

What is the significance of the 'Consideration Date' in a Maryland workers' compensation claim?

<p>The deadline for the insurance company to challenge parts of a workers' compensation case. (A)</p> Signup and view all the answers

What is an 'Auto Award' in the context of Maryland workers' compensation?

<p>An automatically generated award when the insurance company does not initially challenge the worker's compensation claim. (B)</p> Signup and view all the answers

What is an 'Award of Compensation' in the Maryland workers' compensation system?

<p>A formal decision by the worker's compensation Commissioner regarding the benefits or compensation due in a claim. (A)</p> Signup and view all the answers

What is considered an 'Industrial Loss'?

<p>A decrease in an injured worker's earning capacity that can increase monetary compensation. (A)</p> Signup and view all the answers

According to the document, what is an 'Accidental Injury'?

<p>An injury that occurs while doing work related tasks as a part of employment responsibilities. (D)</p> Signup and view all the answers

Flashcards

Industrial Loss

Injury impacting multiple body parts, assessed as a combined impairment by the commissioner.

Jury Trial in Workers' Comp

Right to appeal a decision by the Maryland Workers Compensation Commissioner in Circuit Court.

Liberal Construction

The principle that worker compensation laws should favor injured employees.

Loss of Earning Capacity

Financial award for workers unable to earn their prior income due to injuries.

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Lunch Injuries

Compensation for injuries occurring during a lunch break or related activities.

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Medical Expenses Compensation

Coverage of medical costs related to workplace injuries, including treatments and travel.

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Modified Award

Adjustment of workers compensation awards for various reasons, like errors or appeals.

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Nature and Extent

Formal terms used to determine permanent partial disability awards.

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Permanent Partial Disability (PPD)

Recognition of a permanent but partial disability granted by the commission.

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Permanent Total Disability

Lifetime benefits awarded to the most severely injured workers in Maryland.

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Workers Comp Benefits

Compensation calculated based on state regulations for injured workers.

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Temporary Total Disability (TTD)

Compensation for workers completely unable to work due to injury.

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Temporary Partial Disability (TPD)

Benefits for workers with limited ability to work following an injury.

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Compensable Pre-existing Condition

A condition worsened by a work accident that is not eligible for compensation.

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Subsequent Injury Fund

State agency providing additional support for injured workers with prior conditions.

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First Tier Permanent Partial Disability

Benefit rate set at 1/3 of the injured employee's average weekly wage.

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Second Tier Permanent Partial Disability

Benefit rate at 2/3 of the injured worker's average wage, capped.

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Uninsured Employers Fund (UEF)

A fund for workers injured by employers without workers comp insurance.

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Capped Benefits

Limits on the maximum amount of benefits payable to injured workers.

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Rate of Benefits Calculation

Determining workers comp benefits based on average state wages.

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Accidental Injury (A/I)

An injury arising out of and in the course of employment.

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Accident Leave

Paid time off provided by an employer if an employee is injured.

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Agreement of Final Compromise and Settlement (AFCS)

A settlement term in a Maryland workers compensation case.

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Auto Award

An automatically generated workers compensation award not initially challenged.

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Award of Compensation

The decision of the workers compensation Commissioner regarding compensation.

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Back Pay

Wages an injured worker is entitled to while unable to work.

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Causal Connection

Question of whether medical treatment is connected to the incident.

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Compensability

Initial determination if an incident is a valid claim under Maryland laws.

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Consideration Date

Deadline for the insurance company to challenge a workers comp case.

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Study Notes

Maryland Specific Terms

  • Accidental Injury (A/I): An injury that occurs during employment.
  • Accident Leave: Paid time off for employees injured on the job.
  • Accidental Injuries: Injuries sustained at work.
  • Agreement of Final Compromise and Settlement (AFCS): A settlement agreement in Maryland worker's compensation cases.
  • Auto Award: An automatically generated award in worker's compensation claims, not challenged by the insurance company.
  • Award of Compensation: The decision made by the worker's compensation commissioner.
  • Back Pay: Wages an injured worker is entitled to while out of work due to injury.
  • Causal Connection: Determining if medical treatment is related to the work-related incident.
  • Compensability: Initial determination if an incident is a valid worker's compensation claim.
  • Consideration Date: The deadline for the insurance company to dispute a worker's compensation case.
  • Contested Case: A case where the insurance adjuster challenges the worker's compensation claim.
  • Industrial Loss: A loss of earning capacity due to an on-the-job injury, combined, if applicable, with injuries across more than one body part.
  • Jury Trial: An appeal option for workers who believe the worker's compensation commissioner's decision was incorrect.
  • Liberal Construction: A legal principle that favors the employee in worker's compensation cases.
  • Loss of Earning Capacity: A financial award compensating for lost income due to injury.
  • Lunch Injuries: Injuries sustained by workers during a lunch break or travel to and from the break.
  • Medical Expenses: Medical costs related to an on-the-job injury which can include medical treatment, diagnostics, medication, mileage and parking for doctor visits.
  • Modified Award: An adjustment to a worker's compensation award based on various reasons.
  • Nature and Extent: The formalized language to describe permanent partial disability claims.
  • Permanent Partial Disability (PPD): Permanently diminished abilities, that are partially attributable to the injury.
  • Permanent Total Disability: A severe injury resulting in permanent and total disability, warranting lifetime compensation.
  • Quantum Meruit: The amount of money owed to someone for the work they have completed.
  • Rate of Benefits: Workers' compensation payments calculated from a percentage of the average weekly earnings
  • Subsequent Injury Fund: State agency offering additional compensation to injured workers with prior medical conditions.
  • Temporary Total Disability (TTD): Complete inability to work, during which time benefits are paid.
  • Temporary Partial Disability (TPD): Reduced ability to work, during which time compensation is paid.
  • Thomas Doctrine: Pre-existing conditions worsening after a work-related injury are not deemed work-related.
  • Uninsured Employers Fund (UEF): A fund for workers injured by uninsured companies, providing funds for compensation.

Addendum #2

Addendum #3

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