A New Jersey Turnpike toll taker wracked with nightmares after seeing the World Trade Center tumble. A deputy sheriff paralyzed by fear because his right to carry a gun was taken away. A prison guard unable to work after an evil inmate declared, “I’m going to kill you.”

These are a few of the state employees who are causing head-scratching among lawyers — and New Jersey Supreme Court justices — on how to decide who collects accidental disability pensions for psychological trauma.