Unlike a lot of states, the Maryland Workers’ Compensation system is very adversarial. In some states, the hurdle injured workers have to get over to receive compensation is ridiculously low. They basically just need to prove that they were hurt at work — or anything remotely close to work. If they were injured driving to or home from work, they’re covered. Even if they were goofing around and got hurt at work, they’re covered. In Maryland, it’s different.
Maryland is an “at will” employment state, meaning you can be fired at will by your employer, providing they’re not violating any Federal laws against discrimination for age, gender, race, etc. The playing field is not level — it’s tilted in the employer’s favor. And that goes for the Maryland Workers Comp system, too.
The bright spot is if you’re injured on the job in Maryland, your employer is required by law to carry workers’ compensation insurance. Even if they don’t have it — which I’ve seen a dozen times or so in 20 years of helping injured workers in Maryland — the Uninsured Employers’ Fund will step in and pay. So the good news is if you’re hurt at work in Maryland and if you have a compensable claim, your employer has insurance to cover it.