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Add-on PTSD Coverage For Your Workers Compensation Policy


Workers with physical injuries, such as bone fractures or ligament damage are usually eligible for compensation benefits. Still, some employees may question if they are eligible for benefits if they have a mental health issue connected to their job, such as PTSD.


To understand more about your possibilities for claiming benefits, keep scrolling.


Workplace PTSD and How It Can Affect You

Post-traumatic stress disorder or PTSD is caused by seeing or being engaged in a stressful incident such as an attack, a natural catastrophe, or a major accident. A person's capacity to operate might be hampered by various psychological, intellectual, behavioral, and physical symptoms caused by PTSD.


The following are some instances of working circumstances that might lead to PTSD:

  • In the event of a particularly heinous or brutal accident or scene of violence, a law enforcement officer, firefighter, EMT, or another first responder must deal with it.

  • A teacher witnesses a shooting incident.

  • A former armed employee who has chosen to take revenge for a dismissal holds an office supervisor hostage.

  • A coworker dies in an odd accident that a construction worker witnesses.


Symptoms of PTSD Includes:

PTSD will hamper the wounded person's capacity to work, self-esteem, and interpersonal relationships due to the reactions below.

  • Fatigue that continues.

  • Disorders of sleep.

  • Nightmares.

  • Fear of recurrence.

  • Anxiety based on recollections.

  • Depression.

  • Emotions, feelings, and activities that are not directly related to the trauma are avoided.


When Does Workers' Compensation Cover PTSD?

A worker who feels they have PTSD must have their illness professionally diagnosed by a psychologist or psychiatrist for workers' compensation to pay it.


PTSD can be treated as a purely psychological injury. The employee did not experience a physical injury but observed the horrific incident that caused PTSD. However, it can be treated as a mental injury caused by a physical injury at work.


Final Thoughts

The importance of mental health services for recovery and the psychological effects of trauma are not new. Some employers, on the other hand, are more educated than others. Unfortunately, after a working accident, your employer (and their workers' compensation insurer) is just as likely, if not more likely, to refuse payments for mental health care.


At Second Western Insurance Services, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (818) 952-5203. Get your free quote today by CLICKING HERE. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!

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