Thermal stresses are self stresses that arises in two main cases.
- If one imposes displacement continuity at the interface between two materials with different thermal expansion subjected to a uniform temperature change;
- if an homogeneous material is subjected to a non uniform temperature change.
(Here with uniform I mean constant with respect to space, i.e. no gradient.)
Being self stresses (equilibrated to vanishing external body forces) you cannot model them as external loads.
Thermal effects are correctly taken into account if you perform a thermo-mechanical simulation, i.e. solving both for the temperature field and stress field. Of course the stress-strain relation should be written taking into account the inelastic strains due to thermal expansion.
A few remarks.
- Pay great attention to the mechanical boundary conditions: as everyone knows huge stresses may arise in thermally loaded structures subjected to mechanical constraints. So ask your self if the modeled boundary conditions are an accurate representation of your physical prototype.
- Thermo-mechanical simulations can be uncoupled (first solve for the temperatures, and the for the stresses) or coupled (solve for temperatures and stresses simultaneously). Since you have also electrical behavior to model, accurately analyze how the three field equations are coupled.
Edit
Using FEM thermal stresses are easily incorporated into the model, provided that thermal expansion is correctly modeled. (Every text book on solid mechanics and FE analysis should give you the details.)
The case of $N$ distinct materials each with its own domain $\Omega_i$, $\Omega \equiv \bigcup_{i=1}^{N} \Omega_i$, is simply treated by having continuous displacement and temperatures across the material interfaces (which is always true for a conforming mesh in $\Omega$) and discontinuous thermal expansion and elastic constants (which again is simply obtained by assigning to the elements of each subdomain $\Omega_i$ the corresponding material properties). This will result in the correct (discontinuous) thermal stress fields int the whole $\Omega$.
No extra or ad-hoc assumptions needed.