Can You Receive Both Workers’ Compensation and PIP Benefits?

In the unfortunate event of a work-related accident, you may find yourself unsure of what benefits you are eligible to receive. Workers’ compensation and personal injury protection (PIP) benefits are two types of insurance that are designed to provide coverage for medical expenses and other related costs caused by an injury.

But can you actually receive both workers’ compensation and PIP benefits? This is the question our Gaithersburg workers’ compensation attorneys at Berman | Sobin | Gross LLP get asked a lot. Our attorneys can review the circumstances of your case and help you determine which benefits are available for you.

Workers’ Compensation vs. Personal Injury Protection Benefits

Workers’ compensation is insurance that provides benefits for employees who are injured while performing their job. This insurance covers medical expenses, rehabilitation costs, and lost wages. On the other hand, personal injury protection is insurance that provides coverage for medical expenses and lost wages for drivers involved in a car accident.

According to the official website of the Maryland Insurance Administration, the minimum coverage requirement for PIP in the state is $2,500. However, you may purchase more if you want to. Workers’ comp is required for every business with at least one employee.

It is important to note that workers’ compensation is the primary insurance for work-related injuries, whereas PIP is secondary insurance. This means that if you are injured on the job, workers’ compensation will cover the expenses first, and PIP will only cover additional expenses that exceed your workers’ compensation benefits.

Can You Receive Both Workers’ Compensation and Personal Injury Protection Benefits?

The answer is, it depends. In some cases, you may be eligible to receive both workers’ compensation and PIP benefits. However, there are certain limitations that must be met before you can receive both types of benefits.

Discuss Your Compensation Options with a Lawyer

In conclusion, it is possible to receive both workers’ compensation and PIP benefits, but it depends on the circumstances of your accident. It is important to understand the differences between these two types of insurance and how they can impact your coverage. If you have been injured in a work-related accident, you might want to reach out to our attorneys at Berman | Sobin | Gross LLP. We can help you navigate the legal process and ensure that you receive the maximum compensation you are entitled to. Get a free case evaluation by calling 800-248-3352.

Source:

insurance.maryland.gov/Insurer/Documents/rates-and-forms/Required-Notice-of-Personal-Injury-Protection-Coverage.pdf