When a person experiences a traumatic event such as a car accident, assault, or an accident resulting in the loss of life or limb, the resulting psychological distress may sometimes manifest itself as a long-term condition known as post-traumatic stress disorder (PTSD). Depending on the circumstances, if a person develops PTSD due to a traumatic event which occurs while they are working, they may be able to pursue compensation for their resulting medical expenses and lost wages under their employer’s workers’ compensation insurance.
Workers’ comp claims based on PTSD are allowed in many states. Generally speaking, to be approved, a worker must have experienced or witnessed some sort of traumatic event while acting within the scope of their employment, and that the resulting psychological symptoms interfere with their ability to work. Likewise, claimants must receive an official and formal PTSD diagnosis from a licensed psychiatrist or psychologist.
PTSD can result from any of the following work-related situations:
- A police officer, EMT, or firefighter responding to a horrific or dangerous situation
- A construction worker witnessing a co-worker’s severe injury or death
- A teacher or school administrator witnessing a school shooting
Proving PTSD to an Insurance Company Can Be Difficult
While PTSD can be a very real and debilitating condition, like many other mental disorders and illnesses, providing sufficient proof of its presence and effects to a workers’ comp insurer can be difficult. Since claims related to PTSD can be considered “mental-mental,” meaning that a psychological stimulus results in mental health symptoms, many states have prohibited these claims from being eligible for coverage, with certain others requiring claimants to jump through hoops to receive compensation.
Regardless of whether your claim is payable by an insurance company, the state, or your employer themselves, your allegations of PTSD will likely be closely scrutinized prior to being approved, especially if you have received coverage under workers’ comp before. As such, it is important you obtain a thorough psychological evaluation from a professional mental health specialist and receive documented evidence of your symptoms.
Suffering from PTSD? Contact Alvandi Law Group Today
If you are suffering from PTSD following a traumatic on-the-job accident, our top-rated Orange County workers’ comp attorneys at Alvandi Law Group can help you evaluate your legal options and maximize your chances of securing the fair financial support you deserve. With more than a decade’s worth of experience and more than $100 million recovered on our clients’ behalf, we have what it takes to ensure your rights are guarded.Dial ">(800) 980-6905 or contact our firm online today to discuss your situation in full detail.