A. Claims for workers’ compensation shall be allowed only:

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(1)     when the worker has sustained an accidental injury arising out of and in the course of his employment;

(2)     when the accident was reasonably incident to his employment; and

(3)     when the disability is a natural and direct result of the accident.

B. In all cases where the employer or his insurance carrier deny that an alleged disability is a natural and direct result of the accident, the worker must establish that causal connection as a probability by expert testimony of a health care provider, as defined in Section 52-4-1 N.M. Stat. Ann., testifying within the area of his expertise.