By Jade Mooney. Last Updated 3rd October 2024. Suffering from post-traumatic stress disorder (PTSD) can be deeply debilitating for a person. And if the condition developed due to an accident, you could be entitled to PTSD compensation.
In this guide, we cover everything related to making a PTSD compensation claim. We discuss the potential causes, such as workplace accidents, military service, a car accident and other traumatic events.
You can also find details on the requirements to make a psychological injury claim, such as the personal injury claims time limit, and discover potential post-traumatic stress disorder payouts.
We appreciate that not everyone likes to read, so we offer a free case check over the phone if this is what you’d prefer.
We can advise you on your legal rights, potential settlements and, if you’d like to make a PTSD claim, we can connect you with one of our specialist personal injury solicitors.
You can get in touch by:
- Giving us a call on 0800 073 8804
- Writing to us using our claim online form
- Or chat with us now via our live chat service
To learn more about PTSD claims, please keep reading. You can also watch our video which gives you the key points from the guide:
Select A Section
- Am I Eligible To Receive PTSD Compensation?
- Time Limits For PTSD Claims
- How Could You Suffer PTSD?
- What Evidence Do I Need To Make A Claim For PTSD Compensation?
- Compensation For PTSD – How Much Could You Receive?
- Claim Compensation For PTSD With Legal Expert
Am I Eligible To Receive PTSD Compensation?
Post-traumatic stress disorder (PTSD) is a mental disorder caused by a traumatic event in a person’s life. Sometimes, PTSD may last just over a month. However, in some cases, PTSD symptoms can last for years or may even be permanent.
It can reoccur through flashbacks, such as reliving the traumatic memories and panic attacks. This might be the case if you have been involved in a serious car accident, for example.
If you seek compensation for PTSD, you’ll first need to determine your eligibility to make a personal injury claim. As such, the following should be considered:
- Did someone owe you a duty of care?
- Was that duty of care breached?
- Did you suffer a psychological injury as a result?
Depending on where the traumatic incident happened that triggered your PTSD injury, you are owed a duty of care by certain parties. For example:
- On the road – all road users must take reasonable care to avoid causing injury to any other road users as per the Road Traffic Act 1988
- In the workplace – employers should ensure, so far as is reasonably practicable, the safety of their employees under the Health and Safety at Work etc. Act 1974
- In a public place – as outlined in the Occupiers’ Liability Act 1957, occupiers of a public place have a duty to ensure visitors are reasonably safe on their premises
On the basis you can provide evidence that highlights somebody else’s negligence caused your personal injury, you may have valid grounds to claim PTSD compensation.
You will also need to begin the PTSD compensation claims process within the limitation period. Continue reading for more information about seeking compensation for a psychological injury caused by a traumatic event.
Time Limits For PTSD Claims
If you would like to begin a PTSD compensation claim, you must start legal proceedings within the limitation period. This time limit is 3 years and is set by the Limitation Act 1980.
These 3 years commence from the date of the accident that caused your PTSD.
However, the time limit is paused for injured parties who:
- Are under 18 years old.
- Don’t have the mental capacity to make a PTSD claim.
While the time limit is paused, a litigation friend can start legal proceedings on the injured party’s behalf.
However, if a litigation friend hasn’t started legal proceedings by the time the injured party:
- Turns 18.
- Recovers their mental capacity.
Then the standard time limit will commence.
Call our advisors to ensure that you begin claiming compensation for PTSD within the limitation period.
How Could You Suffer PTSD?
As previously discussed, you can develop PTSD following a variety of different traumatic events. These include:
- An accident at work. You could suffer a life-changing physical injury in a workplace accident, such as a traumatic amputation, experience a near-miss or witness a colleague sustaining a fatal injury and develop PTSD as a result.
- A road traffic accident. As with workplace accidents, you could suffer symptoms of post-traumatic stress disorder in a road traffic accident. For example, if you are severely injured in a car accident and the injury has a significant impact on your life, it could lead to you experiencing psychological harm as well. Alternatively, you could be hit by a car as a pedestrian suffering very serious spinal injuries leading to paralysis which has a knock-on effect on your mental health. Finally, you could witness a loved one suffer fatal injuries in a road traffic accident.
- An accident in a public place. Experiencing PTSD could also occur following a public liability accident. For example, you could witness a fatal accident in a supermarket in which someone falls from a height. Similarly, you could slip and fall in a supermarket and suffer a serious brain injury which brings with it symptoms of PTSD.
Contact one of our advisors to discuss whether you might be eligible for PTSD compensation.
What Impact Could PTSD Have On Your Life?
PTSD can have a devastating impact on your life, causing severe physical, mental, and financial effects.
In terms of physical and mental impacts, PTSD can cause:
- Panic attacks.
- Nightmares.
- Flashbacks.
- Depression.
- Anxiety.
These symptoms can completely remove your ability to work, socialise, and enjoy things like hobbies. Loss of enjoyment is also known as loss of amenity, and this can be included as part of the general damages head of your claim.
The inability to work can have serious financial effects. For example, if you are unable to work, even temporarily, this can lead to lost earnings. In some cases, you may never be able to work again, resulting in a lifetime of lost income. This is something that PTSD claims can help you with, since lost earnings can be included under special damages.
If you’d like to find out if you could be entitled to make a Post-Traumatic Stress Disorder compensation claim, contact our helpful team today. Or, you can keep reading to learn more about the claiming process.
What Evidence Do I Need To Make A Claim For PTSD Compensation?
Evidence is crucial when pursuing compensation for PTSD. The right evidence can help support numerous areas of your claim, including showing the severity of your PTSD, how it occurred, and who is responsible.
One of the benefits of working with a solicitor throughout the psychological traumatic claims process is that they can help you collect evidence and find other relevant ways of strengthening your claim.
Some examples of evidence that you could use to support a claim for PTSD include:
- Medical records: Your medical records can provide more details about the severity of your PTSD symptoms, and the way it affects your life. Your medical records may also contain details about what psychological treatment you require. You may also be able to submit a letter from a psychiatrist or therapist with further information about your psychological injury caused by the traumatic experience.
- Witness statements: While you can’t take witness statements yourself, you can take their details so a professional can take their statement at a later date. This could include people who witnessed the traumatic event that caused your PTSD, or the effect the psychological trauma has had on you.
- Symptoms diary: Keeping a diary of how your psychological injury has affected you and your life could also be useful. You may also include details about your medical treatment.
These are only a few examples of evidence that you could use to support your claim. To learn more about claiming PTSD compensation payouts, or to find out if you could be eligible to make a compensation claim for an anxiety disorder, contact our team of advisors today.
Compensation For PTSD – How Much Could You Receive?
Post-traumatic stress disorder compensation can be made up of two heads of claim called general and special damages. Every PTSD claim will include general damages as these compensate you for the injuries you have suffered. This includes physical and psychological damage.
PTSD compensation can also include financial losses, which are called special damages. These are potentially claimable if your injury causes them, e.g. time away from work because of your symptoms.
Looking at general damages first, an independent medical report can be obtained that will assess some of the factors of the injuries, such as how severe they are and how long the symptoms are expected to last. Such factors can influence the size of any settlement.
In addition to a report, those calculating personal injury damages can use a document called the Judicial College Guidelines (JCG). This contains a range of injuries and the suggested compensation guideline brackets for those injuries.
The figures in the JCG are not guaranteed as they are guidelines, but they can be very useful when considering offers of settlement that are made. We will now look at some PTSD compensation examples in the next section.
Compensation Guideline Amounts
You can find some examples below of guideline compensation payouts for general damages. But, please note, that the figure in the first bullet-point is not taken from the JCG and that none of these figures can be guaranteed for your PTSD claim.
- For suffering serious mental harm, with financial losses, the compensation award could possibly be up to £150,000+.
- For suffering severe psychological damage, where the prognosis is very poor, the compensation award could possibly range from £66,920 to £141,240.
- For suffering moderately severe psychological damage, where significant problems persist but the prognosis is more optimistic, the compensation award could possibly range from £23,270 to £66,920.
- For suffering moderate psychological damage, where the prognosis is good because there is marked improvement by trial, the compensation award could possibly range from £7,150 to £23,270.
- For suffering less severe psychological damage, where sleep and daily activities are affected, the compensation award could possibly range from £1,880 to £7,150.
- Alternatively, the compensation award for severe PTSD, where all aspects of life are badly affected, could possibly range from £73,050 to £122,850.
- The compensation award for moderately severe PTSD, where professional help will lead to some recovery, could possibly range from £28,250 to £73,050.
- The compensation award for moderate PTSD, where any continuing effects are not seriously disabling, could possibly range from £9,980 to £28,250.
- The compensation award for less severe PTSD, where a virtual full recovery will be made within 1-2 years, could possibly range from £4,820 to £9,980.
What Are Special Damages?
The second head of claim is known as special damages. This heading covers the financial losses caused by your PTSD, and can include the cost of:
- Lost earnings due to taking time off work to recover.
- Counselling, including cognitive behavioural therapy and other costs towards PTSD treatment.
- Prescriptions and other costs towards medical treatment.
- Travel costs.
These are just a few examples of expenses that could be covered under special damages if you claim compensation for PTSD.
When claiming under this heading, you must be able to provide proof of your losses, which could come in the form of bank statements or receipts.
To learn more about claiming compensation for a psychological injury such as PTSD, contact our team of advisors today. They can evaluate your claim for free, and could potentially put you in contact with one of our solicitors.
Claim Compensation For PTSD With Legal Expert
If you are eligible to make a personal injury claim for PTSD compensation, one of our solicitors could help you. They could help you with gathering evidence, arranging an independent medical assessment and providing you with more information on compensation payouts for PTSD. Additionally, they may offer to represent you on a No Win No Fee basis under a Conditional Fee Agreement.
When claiming with a solicitor under this arrangement, you will not need to pay them any upfront or ongoing fees for their services. Furthermore, you will not need to pay them for the work they have done on your case should your claim fail.
Should your claim succeed, your solicitor will take a success fee, which is deducted from your settlement award. This is a small percentage with a legal cap.
To learn more about how our solicitors could help you with your PTSD claim, contact our team today.
Our advisors can offer a free consultation in which they can offer advice. They can also potentially connect you with one of our solicitors. To get started:
- Call on 0800 073 8804
- Start your claim online
- Use the live chat feature
We hope our guide to making a PTSD claim has answered your questions about claiming for a psychological injury caused by a traumatic incident. If you would like to speak to an advisor about claiming compensation, then please get in touch.
