Worker’s Compensation for PTSD

In Missouri, workers who experience post-traumatic stress disorder, known as PTSD, as a result of a work-related injury or illness may be eligible for workers' compensation benefits. However, the process of filing a claim for PTSD can be complex, and workers must meet specific eligibility requirements to qualify for benefits.

Learn what you need to know about PTSD and worker's compensation in Missouri below.

What Is PTSD?

PTSD is recognized as a legitimate medical condition that can result from a traumatic event. The disorder is characterized by symptoms such as flashbacks, nightmares, avoidance behavior, and hyperarousal. These symptoms can cause significant distress and interfere with an individual's ability to work or perform daily tasks.

Can You Receive Worker's Compensation Benefits for PTSD in Missouri?

Under Missouri law, workers' compensation covers mental injuries that are the direct result of a physical injury or accident that occurs on the job. This includes PTSD, which can develop as a result of a traumatic workplace event, such as a workplace accident, exposure to violence, or witnessing a traumatic incident.

What Are the Eligibility Requirements for Worker's Compensation for PTSD?

To be eligible for workers' compensation benefits for PTSD in Missouri, workers must meet several criteria. First, the worker must have experienced a qualifying traumatic event while on the job. This event must be beyond the normal stressors of the job and must have caused the worker's PTSD.

In addition, workers must provide evidence that their PTSD is a direct result of the workplace event. This evidence may include medical records, testimony from mental health professionals, and witness statements.

Workers must also meet all the eligibility requirements for workers' compensation, such as reporting the injury or illness to their employer promptly and seeking medical treatment from an approved healthcare provider.

How Do You Apply for Worker's Compensation Benefits?

It is essential for workers who experience PTSD as a result of a work-related injury or illness to seek medical attention promptly and report their condition to their employer. Workers should also keep detailed records of their medical treatment and any expenses related to their condition.

The process of filing a workers' compensation claim for PTSD in Missouri can be challenging. Workers must file a First Report of Injury (FROI) form with the Missouri Division of Workers' Compensation within 30 days of the workplace event that caused their PTSD. If the worker does not file the FROI within 30 days, they may lose their eligibility for benefits.

Once the FROI is filed, the employer and their insurance carrier have a certain amount of time to investigate the claim and either accept or deny it. If the claim is accepted, the worker may be eligible for benefits such as medical treatment, wage replacement, and vocational rehabilitation.

If the claim is denied, the worker has the right to file an appeal with the Missouri Division of Workers' Compensation. The appeal process can be complex, and workers may want to consider hiring an attorney who specializes in workers' compensation to help them navigate the process.

Should You Seek Additional Support for Your PTSD?

In addition to workers' compensation benefits, workers with PTSD may benefit from other types of support, such as therapy, support groups, and other mental health resources. These resources can help workers manage their symptoms and improve their overall quality of life.

Overall, workers who experience PTSD as a result of a work-related injury or illness in Missouri may be eligible for workers' compensation benefits. If you are experiencing PTSD, don't hesitate to seek medical attention and explore your options for support and treatment. If you have any questions, please contact Spooner and Perkins P.C. Attorneys at Law.