Workers’ compensation coverage is a mandatory operating expense for most employers. Businesses have to provide coverage to indemnify themselves against liability. Organizations usually do not have to worry about worker lawsuits because workers’ compensation coverage protects them from litigation.
Workers don’t have to worry about sustaining massive financial losses from an injury or work-acquired illness. They can request medical coverage and disability benefits until they return to work. Some injuries and illnesses lead to straightforward benefit claims. It is easy to establish the origins of the medical condition and the impact it may have on the worker.
Other times, the benefits claim process can be much more complex. Mental health conditions are sometimes eligible for workers’ compensation benefits in specific circumstances. Post-traumatic stress disorder (PTSD) is one of the most debilitating acquired mental health conditions.
Can workers who develop PTSD qualify for workers’ compensation benefits?
The law protects first responders
State statutes specifically outline circumstances in which first responders may be eligible for workers compensation because of a PTSD diagnosis. Witnessing the death of a minor or particularly egregious and tragic circumstances can lead to eligibility. Firefighters, police officers and paramedics can receive medical benefits and disability coverage when what they witness on the job causes them mental trauma. In scenarios where they nearly die, they may also be eligible for benefits.
Other professionals may also qualify
PTSD can be a qualifying condition for professionals in most industries. Workers’ compensation can help cover time off from work and the cost to undergo various therapeutic treatments to help workers control their PTSD. However, in addition to affirming a diagnosis and the impact the condition has on a worker, they may also have to prove that the situation meets specific standards.
Those seeking PTSD benefits often need to prove that their condition is a direct result of their work. They usually need to show that there was an unusual and extraordinary situation that led to their PTSD. Those facing complex workers’ compensation claims related to mental health conditions may need help with the claims or appeals process. Reviewing the circumstances that led to a PTSD diagnosis with a skilled legal team can help professionals evaluate their options for compensation.