Workers compensation is a type of insurance which provides for medical benefits for injuries sustained at work. The injury can be either physical or psychological, but has to be a result of work-related activities rather than the employee’s own negligence.
Which mental illnesses can qualify?
For successful claims, the mental illness should be a direct result of conditions at work rather than a pre-existing condition. Some of the common examples of work-related psychological injuries are:
- Post-traumatic stress disorder (PTSD) where the work-related stressor is the direct and sufficient antecedent of PTSD.
- Mental conditions secondary to physical injury sustained in line of work.
- Stress related to permanent physical harm sustained at work.
If the mental health condition is severe, it is possible that workers compensation might cover the cost of treatment. Treatment of ongoing mental health condition can reduce time to recovery and improve coping with workplace demands in event of return to work.
What if the claim is rejected?
In case the claim is denied, Medicare or private health insurance can still partly cover the cost of treatment. Timely treatment can reduce the overall impact of mental health conditions on functional recovery, so it is important not to delay treatment while pursuing your claim.
You can call Zen Waves clinic to schedule a psychiatrist consultation for an assessment.