Workers Compensation and Depression

Before we talk about whether or not you are able to get workers compensation for depression, we nust talk about workers compensation. Workers compensation is a type of insurance that is basically a no fault program. By law, employers must carry this type of insurance. What this type of insurance does is to cover any injury or even death caused by an event occurring in the workplace.

While it helps the employee in that fashion, this type of insurance also benefits the employer. It does this by insuring that there is less chance of a lawsuit for the employer. There are different types of workers comp and which type the employer decides to carry may be mandated by the laws of the particular state that the employer is in. It may be a self-insuring type, a private insurance carrier or an insurance pool run by the state. For government agencies and employees there is federal workers compensation insurance.
What it covers

There are things that workers comp insurance generally covers. These are things like:
• Prescriptions and medical expenses
• Therapy and rehab costs
• Costs for mileage to and from any health care providers
• Temporary or permanent total or partial disability payments
• Any impairment that is permanent
• In the event of death, any surviving dependents may be eligible for benefits in the form of death payments
Criteria for Workers Comp Claims

If you think that you or a loved one may be able to claim workers comp then you should be aware that there are certain criteria that must be met. They are as follows:
• Is the person who is injured an employee of the company?
• Is there an accident, illness or injury that has been suffered by the employee?
• Did this malady occur while the person was on the job?
• Did this condition occur as a result of conditions in the workplace?
• Did this condition result in either an ailment or impairment that caused lost wages?

Workers Compensation and Depression

While you may not think about it as being an injury common to the workers compensation arena, depression is claimed more than you think. Just because people claim it though, that does not mean that those claims are often awarded because they are not.
Depression can be a direct result of any type of trauma that may occur at work. It could be a physical injury or ailment but depression often ensues. While most people get sad sometimes, depression is a bit different and can actually be quite debilitating. Some of the signs are:
• Feelings of anxiety, emptiness or sadness that are persistent
• Hopeless or pessimistic feelings
• Guilty or worthlessness feelings
• Restlessness or irritability
• Loss of interest in things that were once enjoyable
• Decreased energy and increased fatigue
• Difficulty in making decisions, remembering things or concentrating
• Sleeping pattern changes
• Change in appetite
• Suicidal thoughts or attempts

People do try to claim workers compensation but because the depression is so hard to prove as a direct result of happening in the workplace it rarely gets approved. That being said, it never hurts to try and all that they can do is to tell you no.