Mental health workers’ compensation claims are normally very complex, and states vary on whether they will cover them. While different mental health claims can be filed, they are hard to prove. These include claims for post-traumatic stress disorder (PTSD) and mental health injuries (e.g., anxiety, stress or depression).
To claim these types of injuries, an employee must establish a link between the workplace factors that caused the mental stress and the mental stress claim. There would have to be proof that the injury came specifically from the workplace factors and not anything of a personal nature.
Different states allow PTSD claims in different ways. Some states will cover PTSD claims that occurred without a physical injury. Other states only allow a PTSD claim when there a work-related injury led to the PTSD.
Some states do not recognize any types of mental health injuries. Other states cover mental health injuries if there is a:
- Work-related physical injury that later causes a mental injury; or
- Mental injury that causes a physical work injury.
Employers should also be aware that some occupations can claim mental health workers’ compensation claims while others do not. In some states, the following occupations can claim a PTSD claim or mental health injury claim without an injury:
- First responders
- Police officers
- Correctional officers
To determine if your state covers any type of mental health claims, check with your human resources department or insurance provider, or research your state’s workers’ compensation laws.