Stress can be associated with almost everything we do. It can even result in what are considered to be stress-related injuries. These injuries can be just as serious as any other type of injury and are treated in much the same way when it comes to Workers' compensation. If the injury is severe enough, an employee may be relieved of their duties for a short period of time. The key is having the medical documentation to prove the injuries are work-related.
Almost every state recognizes both physical stress and mental/emotional stress injuries and will cover them through Workers' comp insurance. Each type of injury has its own set of requirements that must be met before an employee is eligible to receive Workers' comp for their injuries. You will need to talk to your insurance agent to determine if you qualify.
Physical stress injuries are commonly caused by repetitive motion. Carpal tunnel syndrome and tendonitis are considered to be repetitive motion injuries and, over time, can cause severe pain and discomfort.
Emotional/mental stress injuries can be difficult to prove. They can include ulcers, hair loss, hypertension, and anxiety. Depression may also be considered in certain situations. Many of these claims are denied because of how difficult it can be to prove they are directly related to your job.
If you are in a high-stress position where you work, talk to your supervisor. Ask them to help you find solutions that will allow you to feel more confident and productive. In some cases, you may need to file a formal report. This allows for official documentation and will help to move your case forward. All of your evidence should be in writing and include the time, date, and description of each event. You will also need to include the outcome that arises from your reporting the issue.
Anxiety often results from excessive levels of stress endured for long periods of time. When anxiety becomes severe, it can be classified as a psychiatric condition. In order for this type of claim to be approved, the employee would have to show that their condition is a direct result of the stress they constantly endure at work. They would also have to prove that the employer did nothing to help them rectify the situation once it was made known to them.
If your Workers' comp claim is repeatedly denied, you may choose to work outside of the system. This would involve hiring a lawyer and having them file a lawsuit on your behalf. You will need to have substantial evidence in order to support your claim. It would be up to you to carry the burden of proof and show that your employer acted in a careless or negligent manner.
Workers' comp can be difficult to understand, especially if you are dealing with stress-related injuries. If you have questions, contact the agents at Little & Sons Insurance Services. We can provide you with accurate information you can rely on when you are dealing with Workers' comp issues. Don't wait to get answers! Call now!
After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.