Dealing with a cancer diagnosis is an overwhelming experience for anyone, particularly for those who are employed and have a job to support themselves and their families. In cases where a person’s cancer is believed to be a result of their work environment or job-related duties, workers’ compensation benefits may cover the cost of treatment and related expenses.
But how exactly does this work in Maryland? Does workers’ comp cover the cost of work-related cancer treatment?
Workers’ compensation benefits in Maryland may cover the cost of treatment for cancer if the illness was caused by an employee’s job duties or environment. Some examples of workplace cancer-causing scenarios include exposure to asbestos, radiation, or other dangerous chemicals.
However, it’s important to note that such claims are often complex and difficult to establish, so it’s critical to work with an experienced workers’ compensation lawyer who can advocate for your interests.
Once a worker has been diagnosed with cancer, they should immediately notify their employer and file a workers’ compensation claim. The claim process can begin by filling out an accident report, which should include details about how the illness was contracted. In some cases, the employer may dispute the claim, arguing that the employee’s cancer was not linked to their work environment or duties. In such cases, the workers’ compensation lawyer may have to gather as much evidence as possible, including testimony from medical experts, to prove the connection.
Assuming the cancer claim is accepted by the workers’ compensation agency, the employee may be entitled to benefits such as full medical coverage, including doctor visits, hospital stays, lab tests, and treatment expenses.
Additionally, if the employee loses time from work due to their illness, they may be eligible for temporary total disability benefits, which can help alleviate the financial burden of lost income. If the employee’s condition becomes a permanent disability, they may also be eligible for permanent partial disability benefits, which can help compensate the worker for lost wages or reduced earning capacity.
It’s important to note that workers’ compensation benefits are not meant to cover damages related to pain and suffering, mental anguish, or emotional distress caused by cancer.
Does Workers Comp Pay for Medications Prescribed by Your Doctor?
If you have been injured on the job, you may be wondering if you are entitled to compensation for your prescription medication expenses. Employees in Maryland who have been injured on the job can receive workers’ compensation benefits, but what about the cost of medication?
Prescription Medication Coverage Under Workers’ Compensation
Workers’ compensation generally covers medical treatment expenses for work-related injuries or illnesses. This includes prescription medication that is necessary for the treatment of your injury. In Maryland, the employer or the employer’s insurance carrier is responsible for paying for all necessary medical treatment expenses related to a workplace injury, including prescription medication.
Restrictions on Prescription Medication Coverage
It is important to note that workers’ compensation may not cover all prescription medication costs. If your doctor prescribes a medication that is not related to your work injury or illness or is not medically necessary, it may not be covered under workers’ compensation. Additionally, workers’ compensation may not cover alternative therapies or treatments such as acupuncture or chiropractic care. It is essential to consult with a medical provider and your workers’ compensation insurance carrier to understand what medications and treatments are covered.
Filing a Workers’ Compensation Claim for Prescription Medication Benefits
If you require prescription medication for a work-related injury, you should make sure to obtain a prescription from a medical provider. You should submit this prescription to your employer or workers’ compensation insurance carrier. The employer or insurance carrier may require that the medication be filled by a specific pharmacy or that a specific type of medication be used. Ensure that you follow these guidelines to ensure that the prescription medication is covered under workers’ compensation.
Cost of Prescription Medications under Workers’ Compensation
The cost of prescription medication under workers’ compensation will depend on your specific workers’ compensation insurance policy. Some policies will require you to pay a percentage of the medication cost, while others may require you to pay a fixed amount. It is important to understand your policy’s coverage and any out-of-pocket costs you may be required to pay.
