You are correct. is for completed occurrences. Something bad **happened** and therefore you are **troubled**.
If something bad is **happening** , you will use ****.
Examples
> ->
> ->
To some extent, both can be used for most cases depending on how you formulate it. It's just like in English when you want to say "I am troubled by this news", "This news is troubling", "This event will cause me troubles".