Workers’ compensation is a form of insurance that provides wage replacement and medical benefits for injuries suffered on the job. The injury must have occurred as a result of regular duties rather than as a result of horseplay or the employee’s negligence. While the majority of claims filed will be related to physical injuries, some mental conditions can be covered by workers’ compensation as well. However, claims examiners often request a psychological examination to better understand the work-related event and the resulting psychological disorder. Family Psychiatry and Therapy can assist you in getting your workers’ comp claim approved by providing this examination. But before you take further action with your claim, you need to understand which mental conditions qualify first.
Which Mental Conditions Qualify for Workers’ Comp?As with all workers’ compensation claims, the mental condition must be caused as a result of the employer’s negligence and not an underlying condition the employee already developed. For most successful workers’ compensation claims, the mental condition should be caused as a result of abnormal or inhumane work conditions. The qualifying mental conditions include:
- Post-traumatic Stress Disorder caused by job conditions or expectations
- Mental conditions developed because of physical injuries suffered at work
- Stress that results in permanent damage and harm
- Stress due to being overworked to the point of exhaustion