MONDAY, JANUARY 16, 2017
 No one wants to experience trauma while he or she is on the job. However, sometimes employees witness tragic occurrences.
Mental and psychological distress can happen in any work environment. If someone witnesses something that causes mental anguish, recovery can take time.
Psychological trauma is not something to take lightly. The effects can be debilitating, and can sometimes impact an individual's ability to work. If someone experiences a trauma at work, returning may make symptoms worse.
In some cases, severe traumas can even lead to Post-Traumatic Stress Disorder (PTSD). PTSD is a severe psychological disorder, and in many cases, it can reduce a person's ability to work.
This can be a difficult scenario for both the employee and the business, but fortunately there is coverage for this condition. Workers with PTSD can protected under workers compensation insurance coverage.
What is PTSD?
PTSD has a broad definition and many different symptoms. In general, it happens after a person witnesses a traumatic event. Any trauma can cause PTSD symptoms.
The symptoms of PTSD can include reliving or being constantly reminded of the event. These symptoms can lead to more localized symptoms like depression, panic attacks and hyperactivity. These can be debilitating side effects.
Why PTSD Can Qualify You For Workers Compensation
It should be any employer's goal to understand PTSD. You should prepare to offer workers compensation coverage in these situations.
No workplace is immune to a tragedy. Even people in traditionally low-risk environments are not immune from traumas. A construction worker may see his co-worker killed in an accident. A restaurant worker may be grievously burned in a kitchen fire witnessed by co-workers.
Shocks like this could lead witnesses to experience PTSD. If a person gets PTSD as a result of a workplace accident, the business may be compelled to provide workers compensation coverage.
Qualifications for Workers Compensation Coverage
For an employee to qualify for PTSD workers compensation coverage, he or she often has to meet certain qualifications.
- He or she may have to provide proof of diagnosis.
- He or she may also have to show that the PTSD happened as a result of a work-related accident.
- Finally, he or she will likely have to prove that the symptoms are severe enough to make it difficult to work.
Remember, in some states, PTSD symptoms are not grounds for workers compensation coverage. You should always be aware of local rules for workers compensation insurance.
Business owners should understand how tragic situations can lead to employees experiencing PTSD symptoms. Prepare to offer workers compensation insurance when someone needs it.
We can help you get appropriate workers compensation insurance coverage. Call Raymond Longoria Insurance at (888) 296-0345 for a free Laredo TX workers compensation insurance quote.
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