Workers Compensation Insurance is a type of insurance policy . It covers financial assistance to the employee’s illness, injuries or death sustained during the performance of their jobs. It enhances the job security of employees and the businesses don’t have to run out of pocket to compensate for medical wages. When many people think of workers compensation, they usually envision making claim for common physical complaints like fractures of bones, serious cuts, contusions or death. However, you can also make compensation claims for psychological issues such as anxiety, stress and any psychological and mental health injury due to the job. Do you want to know more?
This blog post will dive through the key facts about workers compensation insurance claim for psychological and mental health issues.
Workers Compensation Insurance Covers Mental Health issues and Psychological injuries
This may include:-
- Stress
- Anxiety
- Depression
- Post-Traumatic Stress Disorder (PTSD)
- Any mental health issue that causes a physical issue such as a heart attack or a brain stroke.
How Do You Claim Workers compensation Insurance for Mental Health and Psychological Injuries?
To prove that work-related mental health issues are tougher as compared to physical injuries. Workers experience stress every day, but the amount and type of stress can vary dramatically depending on the job and industry. The compensation board reviews claim for psychological issues to determine if the event causing the mental health issue is extraordinary compared to the standard amount of stress. They can also file the report and the statements recorded by the co-workers as witnesses. This standard differs for every professional.
If you want to make a successful Workers Compensation Insurance Claim :-
- You’ll need to show that your mental health condition leads to permanent impairment. In other words, your mental health issue must stop you from being able to work. To help explain, let’s say you watched a coworker get cut in half by a machine. You developed PTSD because the event was unexpected.
- You should meet the mental health professional and discuss extensively the symptoms that you are experiencing. This will give you a legal document to prove how the work environment is contributing to such mental health concerns.
- Your employer or the workers’ compensation board may try to dispute your claim by saying that your mental health issue wasn’t caused by a workplace incident. This is a common occurrence, especially if you have a history of mental health issues or anything related to this. To be on the safe side, you need a professional lawyer who can put together the right medical records, and evidence. Your job caused or exacerbated your condition, and this will be proven.
Summing Up!
The process of claiming workmen’s compensation insurance can be challenging, and more if you’re dealing with psychological and mental issues. For professional expertise, contact us today. Our experience in providing end-to-end insurance solutions to clients and supporting them at any time of claims, make us stand out from the crowd.
