Are Mental Illnesses Covered Under Workers’ Compensation Laws?

Workers’ compensation covers work-related injuries and illnesses. Whether workers’ compensation covers a particular injury or illness varies as each state has its own workers’ compensation system and unique definitions.

General Provisions

Typically, an injury or illness must arise out of the course of employment for the injury or illness to be covered by workers’ compensation. The wound must be severe enough that it is covered, which usually requires more than simple first aid. The employer may require the employee to be subjected to a physical exam to confirm the workplace injury or illness. While many workers’ compensation claims are based on workplace accidents, workplace illnesses are frequently covered including those that arise from continued exposure to unsafe pollutants. Likewise, repetitive motion injuries may also be covered which results from continued events at work. 

Mental Health Claims

Some individuals may suffer mental illnesses due to work factors, such as stress, depression, anxiety, or even post-traumatic stress disorder. Such illnesses may be covered under workers’ compensation. Like with physical injuries, state workers’ compensation laws may cover illnesses that arise from a singular event such as PTSD or conditions that result over time, such as depression or anxiety. 
However, proving such illnesses is often much more complex than establishing injuries that are easier to prove from an objective standpoint. 

One of the complexities of pursuing a mental illness claim for workers compensation audit is tracing the mental illness to the job since workers’ compensation is available for those injuries and illnesses that arise from the course of employment. Therefore, a claimant must be able to establish the causal link between the workplace and the mental illness. For example, for a stress-related claim, the claimant would have to demonstrate that he or she suffered stress because of workplace factors rather than personal ones. 
State laws may state the burden of proof that a claimant has when alleging a workplace injury or illness. For example, New Jersey requires the claimant to establish that he or she was an employee and that the injury was caused while he or she was at work. In some instances, the claimant may be required to establish that he or she suffered a permanent condition that resulted in the loss of use or function of a body part. 

The court may require the claimant to show from an objective standpoint how the mental illness was work-related. It’s may even require a determination that the work conditions objectively would have led to a mental health issue, such as an objectively stressful work condition. As such, this may require the claimant to demonstrate that the stress of a particular position was greater than the stress inherent in any job. 
Some states have gone so far as to specify in the workers’ compensation statute the elements necessary to establish a stress-related claim or a claim based on other mental health issues. When these elements are part of a statute, the results can be more consistent than when decided under common law principles. 

In California, the employee can receive workers’ compensation if he or she establishes that he or she has a diagnosed mental disorder that caused him or her to become disabled or to need treatment. He or she must be able to establish that the events of employment were the primary cause of psychological injury. Delivery of workers’ compensation for such a wound in California, the worker must have been employed by the employer for the smallest amount of six months. Such claims may be supported primarily by the treating physician’s testimony. Medical records must contain information regarding the employee’s background, personal problems, development history, job satisfaction, and performance reviews. Other documents must be included in the physician’s report to substantiate the claim and to make a prima facie mental health-related claim. 

Legal Assistance

Individuals pursuing a workers’ compensation claim often decide to retain the services of a workers’ compensation lawyer to provide advice and guidance during the claims process. With mental health injuries, this is vital given the complexity of the situation and the difficulty of establishing the causal link. 

A workers’ compensation lawyer can review the evidence to determine if a claim is viable and make a recommendation regarding how to proceed with the case. Additionally, he or she can provide information about whether other benefits may be available, such as Social Security benefits.

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