A workplace accident can affect more than your body. If you develop anxiety, depression or post-traumatic stress disorder (PTSD) after a physical injury at work, you may wonder if workers’ comp can help. In Kentucky, some mental health conditions may qualify when they stem from a physical injury.
When can a mental health condition qualify?
Under KRS 342.0011, the state generally does not cover a mental health condition unless it directly results from a physical injury. Courts have said a physically traumatic work event can meet this rule when it directly causes the condition.
Examples that may meet this requirement include:
- A serious back injury followed by depression
- A physical assault at work that triggers PTSD
- A painful workplace injury that contributes to anxiety
The state generally does not cover what courts call ‘mental-mental’ claims. These involve mental health conditions caused by job stress or harassment without a physically traumatic event.
What medical evidence can support your claim?
Kentucky also requires “objective medical findings” to support an injury. In simple terms, these are findings from direct observation or standard tests.
A diagnosis by itself does not mean a mental health condition qualifies for benefits. If symptoms develop after a workplace injury, consider getting medical or mental health care. Tell your provider when the symptoms began and how they relate to the workplace event.
Keep copies of diagnoses, treatment records, work restrictions and other documents related to your physical and psychological conditions. These records can help show how your symptoms developed and affected your recovery.
Understand what a dispute could affect
A mental health condition can raise added issues in a workers’ comp claim. The insurer may question treatment, disability benefits or your work limits. An attorney can help identify which part of the claim the insurer is challenging and explain the procedures available to address that issue. Knowing what is actually in dispute can help you better understand the decisions that may affect your benefits and recovery.
