Mental Health and Workers’ Compensation

Coverage Complexity

Workers' compensation insurance typically covers work-related injuries and illnesses, but coverage for mental health claims can be challenging due to the difficulty in proving their workplace origin.

Growing Impact

In today's work environment, mental health issues are on the rise, affecting both employees and employers, prompting a need to understand coverage for such claims.

Eligibility for Benefits

Workers' compensation insurance is mandated by states to cover employees' expenses resulting from job-related injuries or illnesses; it doesn't extend to independent contractors.

No-Fault System

Workers' compensation operates on a no-fault basis, meaning employees don't need to prove negligence to make a claim, but they also can't sue their employers for injuries.

Covered Mental Health Conditions

Conditions like anxiety disorders, PTSD, stress, and depression might be covered, provided the employee can establish a direct connection between their work and the mental health issue.

If you want to know more about Workers' Compensation, contact the experts at Scautub Agency in Ballston Avenue Scotia, NY. Click on the link below to contact us today.