Is PTSD Covered by Workers Comp in North Carolina?
Dealing with work-induced post-traumatic stress disorder (PTSD) is far from easy. The financial repercussions alone are enough to make you want to give up completely. But when your PTSD was caused by a workplace accident, your employer’s workers compensation insurance should help cover your treatment and expenses.
You already have to endure the consequences of this debilitating condition. Don’t let your finances suffer due to your inability to earn a living while you focus on recovering from the traumatic events of your work accident. Take advantage of the workers compensation benefits you’re entitled to so you can recover without financial stress weighing you down.
The Effects of Post-Traumatic Stress Disorder
Post-traumatic stress disorder can be devastating. Any type of traumatizing event can cause this mental health condition. That includes accidents that occur in the workplace.
Some of the most common effects of PTSD include flashbacks, nightmares, insomnia, anxiety, depression, dependence on prescription medications, thoughts about self-harm, and much more. These effects can make it quite difficult to live life normally—not to mention trying to work on top of everything else.
Although there is no sure way to cure PTSD, its effects can be managed with prescription medications and extensive mental health counseling.
Getting Your PTSD Covered by Workers Comp
When you’re involved in a catastrophic work accident and are diagnosed with post-traumatic stress disorder as a result, you are entitled to collect workers comp benefits while you focus on your recovery. It doesn’t matter whose fault the accident was—workers comp does not depend on establishing liability.
Because your PTSD was caused by an accident on the job, North Carolina’s workers comp system should cover you. The only time you would be immediately disqualified from workers compensation benefits is if you were under the influence, violating your company’s code of ethics, or committing a crime at the time of your injury.
Once you have been approved for workers comp benefits, your compensation will depend on an examination of your average weekly salary over the fifty-two weeks prior to your injury. Typically, you’ll be able to receive around two-thirds of your average weekly income.
If your claim has been denied, we can address any concerns the insurance adjuster has about your claim. Should that fail, we can request a hearing in front of the North Carolina Industrial Commission. The commission will independently examine the details of your case to determine whether you are eligible for workers comp benefits for your PTSD diagnosis.
Contact a Greenville Workers Comp Lawyer
If you’d like to discuss the details of your case with a qualified Greenville workers comp lawyer at Ricci Law Firm, PA, schedule your free, no-obligation claim assessment today by calling our office at 252-752-7785 or completing the quick contact form at the bottom of this page.