QUESTION: Can I ask my employees to waive coverage under the company’s workers’ compensation policy if they become injured on the job?
ANSWER: I’ve been asked this question numerous times already this year. The simple answer is no. Employees have a statutory right to coverage if they become injured during the course of their employment. The employer’s workers’ compensation policy pays for an employee’s medical bills and provides continuing income while the employee recovers from her injuries. In Maryland there is an exception to this rule. Persons who are owners and/or partners of a company can waive their right to coverage. The waiver should be in writing and signed they the owner/partner. This will also lower the company’s premiums.
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