---
title: "Does Workers’ Comp Cover Mental Health Conditions?"
description: "Workers’ comp may cover a mental-health condition linked to work, but state law and medical evidence determine eligibility."
canonical: "https://spot.insure/insurance-faq/workers-compensation/does-workers-comp-cover-mental-health"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# 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.

## Related Questions

- [Do I Need Workers’ Compensation Insurance?](https://spot.insure/insurance-faq/workers-compensation/do-i-need-workers-compensation-insurance)
- [Is Workers’ Comp Required?](https://spot.insure/insurance-faq/workers-compensation/is-workers-comp-required)
- [Do Business Owners Need Workers’ Comp?](https://spot.insure/insurance-faq/workers-compensation/do-business-owners-need-workers-comp)
- [Do LLC Members Need Workers’ Comp?](https://spot.insure/insurance-faq/workers-compensation/do-llc-members-need-workers-comp)
- [Do Contractors and Independent Contractors Need Workers’ Comp?](https://spot.insure/insurance-faq/workers-compensation/do-contractors-need-workers-comp)

## Related Coverage

- [Workers’ compensation](https://spot.insure/coverage/workers-compensation)
- [General liability](https://spot.insure/coverage/general-liability)
- [Commercial auto](https://spot.insure/coverage/commercial-auto)

## Sources

1. [State Workers’ Compensation Officials](https://www.dol.gov/agencies/owcp/wc?lang=en). U.S. Department of Labor; State and territory workers’ compensation contacts. Accessed 2026-09-25.
2. [Florida Statutes § 440.093: Mental and nervous injuries](https://leg.state.fl.us/statutes/index.cfm/0213/index.cfm?App_mode=Display_Statute&Search_String=&URL=0400-0499/0440/Sections/0440.093.html). Florida Legislature; Subsections (1)–(4): mental injuries, accompanying physical injury and compensability conditions. Accessed 2026-09-25.
3. [Mental injury legislation](https://content.govdelivery.com/accounts/NYWCB/bulletins/3d5c1b1). New York State Workers’ Compensation Board; WCL § 10(3)(c) effective June 4, 2025; specified mental-health diagnoses from work-related stress. Accessed 2026-09-25.

More answers: [Workers’ Compensation Insurance FAQ](https://spot.insure/insurance-faq/workers-compensation).

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