Since October 1, 2013, workers who have developed PTSD, or Post-Traumatic Stress Disorder, as a result of exposure to traumatic events while in the course and scope of their employment are entitled to workers’ compensation benefits in the state of Minnesota. Many of our clients with PTSD are police officers, state troopers, corrections officers, deputy sheriffs, 911 dispatchers, and firefighters.
Despite, that an employee may have been diagnosed with Post-Traumatic Stress Disorder by a licensed psychiatrist or psychologist and the treating physician determined that the employee developed PTSD as a result of traumatic work-related exposure or exposures, most work comp insurance companies will deny PTSD claims.
If a work comp insurance company denies your PTSD claim you should immediately consult with an attorney to bring a claim petition on your behalf.
Top Reasons Work Comp Insurance Companies Deny PTSD Claims
1. The date of the injury is before October 1, 2013
Many adjusters are not familiar with the new law and the correct application of the law. If a police officer, firefighter, corrections officer, or 911 dispatcher witnessed or experienced a specific traumatic event before October 1, 2013, insurance companies typically deny primary liability of the claim. Even if the traumatic event did take place before October 1, 2013, the applicable date of injury used to determine compensable claims is the date the employee became disabled as a result of the condition.