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welcome uh welcome to maryland comp 101 brought to you by chartwell university and upstairs barber college uh we are going to be covering the basics today uh things like what claims are compensable what happens when you get to a hearing uh the always famous question how do you deny claim in maryland and i think iamp;#39;ll turn it over to jack for some overview if you have questions we would like to take them as they come in if we can please use the q a feature at the bottom of the screen we will try to get to questions as they come in if we get overwhelmed weamp;#39;ll try to get everything sort of at the end uh but we will try to answer them so over to you and if we get overwhelmed at the end then weamp;#39;ll weamp;#39;ll email yamp;#39;all with the answer to your question after this webinar since itamp;#39;s only an hour but um welcome to maryland workers compensation 101 and maryland is a permanency state thatamp;#39;s the main difference between pennsylvania and maryland o