Post-traumatic stress disorder (PTSD) is a condition that affects many individuals. Working in an environment that exposes you to such situations can lead to the development of PTSD. Workers’ compensation may cover the cost of treating PTSD. However, many people don’t know how to go about seeking coverage or if they even qualify.
What is workers’ compensation and are you eligible for coverage if you develop PTSD?
What is Workers’ Compensation?
Workers’ compensation is a type of insurance. It provides compensation to injured or ill employees. Maryland law requires worker’s compensation insurance. It covers things like medical bills, lost wages, and disability. It is designed to provide workers with financial support during their recovery and to protect them from the financial burden of medical expenses and lost wages.
Does PTSD Qualify for Workers’ Compensation Coverage?
Yes, PTSD can qualify for workers’ compensation coverage. However, the criteria for coverage varies from state to state.
Proving that PTSD is work-related cab be difficult. To qualify for workers’ compensation coverage for PTSD, you must show that the condition was caused by a specific traumatic event or series of events related to your job. Often symptoms of PTSD develop over time and may not be immediately apparent.
What Should You Do if You Believe You Have PTSD Related to Your Job?
If you believe you have PTSD related to your job, the first step you should take is to seek help from a medical professional. A mental health professional or doctor can help diagnose your condition and provide treatment. It is also important to report your condition to your employer as soon as possible. This will establish a record of your condition and initiate the process of seeking workers’ compensation benefits. Keep detailed records of any medical treatment, appointments, and time missed from work related to your condition.
Do You Need a Lawyer to Secure Workers’ Compensation Benefits for PTSD?
You don’t have to hire an attorney to receive workers’ compensation benefits for PTSD. However, it can help ensure that you receive the full benefits you are entitled to.
An experienced workers’ compensation lawyer can help you:
- Navigate the claims process
- Gather the necessary evidence to support your claim
- Negotiate with insurance companies on your behalf
They can also represent you in hearings or court if necessary. If you’re unsure if you need a lawyer, it’s a good idea to schedule a consultation to discuss your options.
PTSD can qualify for workers’ compensation coverage, but the process of securing benefits can be challenging. To do so, you must:
- Seek medical help
- Report your condition to your employer
- Keep detailed records of all related medical treatment and time missed from work
Worker’s compensation treats PTSD in much the same way as all other eligible workplace incidents.
If you are struggling to secure the benefits you are entitled to, consider consulting with an experienced workers’ compensation lawyer. They can help you navigate the workers’ compensation system. They’ll also help you protect your rights as an employee.