Suffering a workplace injury isn’t always physical. Psychological injuries, such as post-traumatic stress disorder (PTSD), anxiety, and depression, can develop from traumatic events or ongoing workplace stress. Workers’ compensation may cover these injuries, but proving them requires specific steps.
Qualifying for workers’ compensation benefits
Psychological injuries must be work-related to qualify for benefits. This means they must stem directly from job duties or a workplace incident. Workers must show that their condition is more than general stress or dissatisfaction. For example, witnessing a traumatic accident or experiencing workplace harassment could support a claim for psychological injury.
Proving a psychological injury claim
Unlike physical injuries, psychological conditions are not immediately visible. Workers must provide medical evidence from a licensed mental health professional. Detailed documentation, including diagnosis, treatment history, and expert testimony, strengthens the case. Additionally, workers must show that the psychological injury significantly affects their ability to work.
Challenges in receiving compensation
Employers and insurance companies often challenge psychological injury claims. They may argue that the condition existed before employment or was caused by personal issues. Because of this, workers should report symptoms as soon as they appear and seek medical treatment right away. A well-documented timeline helps establish a strong claim.
Benefits available for psychological injuries
If approved, workers’ compensation can cover medical expenses, therapy costs, and lost wages. The severity of the condition and its impact on employment determine the extent of benefits. In some cases, workers may also qualify for temporary or permanent disability benefits if they cannot return to work.
Understanding how New Jersey’s workers’ compensation system handles psychological injuries can help workers take the right steps. Seeking medical support and documenting symptoms early improves the chances of receiving benefits.