Driving long hours, meeting tight deadlines, and being away from home for weeks can be really stressful for truck drivers. Many struggle with anxiety, depression, and exhaustion. These mental health problems can make it hard to focus and even lead to accidents. Workers’ compensation may cover mental health issues caused by job-related stress, but there are rules about who qualifies for help.
When does workers’ compensation cover mental health?
Workers’ compensation can pay for treatment if a trucker’s mental health problem comes directly from work stress, trauma, or an injury. However, proving that work caused the issue can be difficult. In Nebraska, workers’ compensation may cover mental health conditions if they stem from a specific traumatic event, such as a serious accident or witnessing a fatality. However, ongoing stress or burnout without a clear, work-related incident typically does not qualify for benefits.
How truckers can file a claim
A truck driver dealing with mental health struggles should see a doctor or therapist first. A professional can confirm the condition and how it relates to work. The driver must also tell their employer about the issue and file a workers’ compensation claim before the deadline. Keeping records, such as medical reports and any proof from work, can make the claim stronger.
Why getting mental health benefits can be difficult
Unlike a physical injury, mental health issues are not visible all the time. This makes them harder to prove. Some employers or insurance companies may argue that personal life problems are the real cause. If a claim is denied, truck drivers might need legal help to appeal the decision.
Truck drivers struggling with mental health can look for help through counseling, trucking industry support programs, and workers’ rights groups. Knowing what workers’ compensation covers can help drivers get the benefits they need to take care of their mental health and stay safe on the road.