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Can New Jersey Employees Receive Benefits for PTSD?

Can New Jersey Employees Receive Benefits for PTSDPost-Traumatic Stress Disorder (PTSD) has been a trending topic in recent headlines regarding Workers’ Compensation benefits. In Connecticut, for example, the General Assembly is revisiting whether to grant this coverage for certain first responders, such as those who responded to the mass shooting at Sandy Hook Elementar y School. This would typically include police officers, firefighters, and EMT’s.

What about other professions? Should a construction worker who observes a co-worker’s serious injury or death receive compensation for emotional trauma? How about a teacher who witnesses a school shooting? The answer for your New Jersey clients is generally going to be yes; they will be covered by their New Jersey Workers’ Compensation Benefits.

In fact, New Jersey is one of the most lenient states when it comes to these types of Workers’ Compensation claims. In a recently publicized Workers’ Comp case in neighboring Pennsylvania, a robber duct taped a manager of a liquor store to a chair and held a gun to his head; resulting in the manager understandably suffering from emotional trauma. He was originally denied benefits by Pennsylvania’s Commonwealth Court due to his employer’s Workers’ Compensation carrier arguing that robberies are a “normal working condition.”

While the Pennsylvania Supreme Court eventually overturned this decision, stating that the courts should pay attention to the specific circumstances of each claim, this process is not something that your clients in New Jersey will have to go through. New Jersey Workers’ Compensation laws do not have exclusions for “normal working conditions.” If a worker in New Jersey sustained emotional trauma, or PTSD, there’s no question that they’d be eligible for the same types of benefits that a person who sustained a physical injury would get.

At Associated Specialty Insurance Agency (ASIA), we understand your clients likely have many questions about their New Jersey Workers’ Compensation coverage. Our focus over the past two decades has been exclusively in Workers’ Compensation, providing insurance agents and brokers with access to markets and programs for their clients throughout our target states of New Jersey, Pennsylvania, New York, Connecticut, Delaware, Maryland, Virginia, North Carolina, and Florida. For more information about our services and what industries we target, please contact us today at (866) 679-7457.

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