Does Workers’ Comp Cover Mental Health Conditions?

Workers’ comp may cover a mental-health condition linked to work, but state law and medical evidence determine eligibility.

Florida excludes stress, fright, or excitement alone and sets conditions for mental injury associated with a compensable physical injury. New York’s law, amended effective June 2025, recognizes certain diagnoses tied to extraordinary work stress and distinct events.

For a claim, check the employee’s current state statute and board guidance on diagnosis, causation, and evidence. Report it promptly; another state’s threshold does not predict the result.

Updated . Check your quote and policy wording to see how this answer applies to your coverage. See the editorial policy or contact Spot with a correction and supporting source.

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