How Chronic Illnesses Affect Long-Term Disability Claims in Canada
You’re Not Just Tired — You’re Fighting Every Day
Fact-checked by Tim Louis
Living with a chronic illness is a full-time job — one that doesn’t come with weekends off or understanding from insurance companies. Whether it’s fibromyalgia, long COVID, or an autoimmune disease, your condition may not be visible to others, but its effects are real and often life-altering. You’re not imagining it. And you deserve support.
At Tim Louis Law, we know how exhausting it is to explain your illness over and over — to doctors, to employers, and especially to long-term disability insurers who are trained to look for reasons to deny your claim. That’s why we’re here.
This article is for you if:
- Your long-term disability (LTD) claim was denied or delayed
- You’re overwhelmed by paperwork and policy language
- You just want someone to believe you — and help you fight back
Let’s walk through what chronic illnesses qualify for LTD, why claims often get rejected, and how Tim Louis Law can help you secure the benefits you deserve.
What Is Considered a Chronic Illness for LTD Purposes?
Chronic illnesses are long-lasting health conditions that can limit your ability to work — physically, mentally, or both. In the context of long-term disability (LTD) insurance in Canada, these illnesses don’t need to be visible or curable. They just need to seriously interfere with your ability to perform your job over time.
Common chronic illnesses that may qualify for LTD in British Columbia include:
- Fibromyalgia – Chronic pain, fatigue, and cognitive issues (commonly called “fibro fog”)
- Long COVID – Ongoing symptoms like extreme fatigue, brain fog, and respiratory problems
- Chronic Fatigue Syndrome (CFS/ME) – Debilitating exhaustion that doesn’t improve with rest
- Autoimmune Diseases – Conditions like lupus, rheumatoid arthritis, or multiple sclerosis
- Chronic migraines – Frequent, disabling headaches that disrupt daily function
- Crohn’s disease or ulcerative colitis – Painful, unpredictable gastrointestinal disorders
- Chronic pain disorders – Including complex regional pain syndrome (CRPS) and more
While these illnesses may not be visible to others, their impact is very real. Insurance companies, however, may be skeptical — especially when there are no obvious clinical findings or visible injuries.
That’s where legal advocacy makes the difference.
“Mr Tim Louis was on track when he said that appeals for disability tend to be unsuccessful on their own with a private insurer… He helped me understand the process and gave me the confidence to fight.” — Google Review by Kimberley Laing
Why Chronic Illness Claims Get Denied — and What You Can Do
One of the most heartbreaking realities we see at Tim Louis Law is how often valid long-term disability claims for chronic illnesses are denied. Not because the person isn’t truly suffering — but because insurance companies are trained to minimize claims they can’t easily “see.”
Here are common reasons LTD claims for chronic illnesses are denied in Canada:
✔ Lack of “Objective Medical Evidence”
Insurers often want lab tests, MRIs, or X-rays. But with many chronic illnesses — like fibromyalgia or chronic fatigue — no such “proof” exists. Instead, doctors rely on symptom reporting, which insurers may unfairly question.
✔ Claimed You Can Do “Sedentary Work”
Even if your job was physically demanding, insurers might claim you can do an office job — ignoring how fatigue, pain, or brain fog impact all types of work.
✔ Misunderstood Medical Reports
Some family doctors may unintentionally downplay symptoms in reports. Others may lack the language insurers expect. Without legal guidance, your paperwork might not reflect how seriously you’re affected.
✔ Video Surveillance or Online Activity
Insurance companies sometimes use social media posts or short clips of you outside your home to suggest you’re “fine.” But a good day — or moment — doesn’t reflect the whole picture.
What Can You Do?
- Document Everything – Keep a symptom journal, detailed medical records, and updated doctor notes.
- Get Supportive Medical Reports – Ask your doctor to clearly state your diagnosis, symptoms, and how they limit your work ability.
- Speak to an LTD Lawyer – Early legal support can improve your chance of approval or appeal success. Tim Louis Law has decades of experience fighting back against unfair LTD denials.
“Tim is great. I reached out regarding my LTD which was terminated by Canada Life on some pretty weird grounds. He helped me understand the next steps.” — Google Review by R.B.
How Tim Louis Can Help with Your Chronic Illness LTD Claim
When you’re facing a denied long-term disability claim, it can feel like no one is listening — especially if your illness isn’t visible. That’s where Tim Louis Law steps in. We bring decades of experience, compassion, and legal strength to every case.
Here’s how we can support you:
✔ We Understand Invisible Illnesses
Tim Louis has helped countless clients whose conditions — like fibromyalgia, chronic fatigue, or Lyme disease — were dismissed or misunderstood by insurers. He knows how to present your case in a way that gets taken seriously.
✔ We Take the Pressure Off You
You’re already managing pain, appointments, and uncertainty. We handle the paperwork, deadlines, and negotiations so you can focus on your health.
✔ We Build Strong Medical Evidence
We work with your doctors (and specialists, if needed) to ensure your medical file clearly demonstrates how your condition limits your ability to work — even if test results look “normal.”
✔ We Appeal LTD Denials — and Win
If your claim has been denied, we’ll guide you through the appeal process step by step. And if the insurer still refuses to pay, we’re prepared to take them to court.
✔ You Don’t Pay Unless We Win
We work on a contingency basis — meaning you don’t pay any legal fees unless we secure compensation for you.
“Tim and his team are amazing. I’ve used his services for a disability case and two car accidents. If you need help in any of those areas, I highly recommend him.” — Google Review by Stefani I.
Whether your claim was recently denied or you’re about to apply, we’re here to stand with you — and fight for the benefits you’re entitled to.
When to Contact a Lawyer for Your LTD Claim
You don’t need to wait for a denial to seek legal help. In fact, the earlier you involve an experienced long-term disability lawyer, the better your chances of success.
Here are the moments when it’s critical to contact a lawyer like Tim Louis:
✔ Before You Apply
We can help you prepare a strong application from the start — one that clearly outlines your diagnosis, symptoms, work limitations, and supporting medical documentation.
✔ After a Denial or Termination
If your claim was denied or your benefits were suddenly cut off, don’t face the appeal process alone. Insurers often count on people giving up — but we won’t let that happen.
✔ If You’re Being Asked to Return to Work Too Soon
Insurers may pressure you to go back to work before you’re medically ready. We’ll ensure your rights are protected and you aren’t pushed into a setback.
✔ When You’re Experiencing Delay Tactics
Long response times, repeated requests for the same documents, or vague reasoning can all be signs of unfair practices. We’ll hold your insurer accountable.
✔ If You’re Unsure What to Do Next
Sometimes, just having a conversation with a lawyer can bring clarity. We offer free, no-obligation consultations to help you understand your rights.
“Tim kindly assisted me with an employment issue during his own holiday vacation time, returning my inquiry on the same day. Thank you!” — Google Review by Kevin Ip
Even if you’re not sure whether you need legal help yet, it costs nothing to talk. And it could mean everything for your future.
Book Your Free LTD Consultation Today
If you’re struggling with an invisible illness and long-term disability has become a battle, don’t go through it alone. Whether you’re just starting your claim, have been denied, or your benefits were cut off unexpectedly — Tim Louis is here to help.
With over 40 years of experience fighting for people just like you, Tim understands how insurance companies operate — and how to make them listen.
📞 Call (604) 732-7678 to book your free, no-obligation consultation.
📧 Or email [email protected] to get answers, not runarounds.
We’ll listen. We’ll explain your rights. And if you choose to move forward, we’ll fight to get you the benefits you deserve.
“Tim is professional, courteous, personable, and extremely knowledgeable. He provided me with excellent advice and I would highly recommend him as a personal injury lawyer.” — Google Review by Brian Black
Tim Louis & Company is located in Vancouver, British Columbia — proudly serving clients across the province in long-term disability disputes.
Frequently Asked Questions – Long-Term Disability for Invisible Illnesses in BC
1. What qualifies as an invisible illness for long-term disability in Canada?
Invisible illnesses are medical conditions that don’t show obvious physical symptoms but significantly impair daily functioning. These include chronic fatigue syndrome, fibromyalgia, depression, anxiety, PTSD, migraines, and autoimmune disorders. If your condition prevents you from working, you may qualify for long-term disability benefits.
2. Can I be denied long-term disability if I look healthy?
Yes — unfortunately, many people with invisible illnesses face denial because insurers can’t “see” the condition. This is why detailed medical documentation and legal support are critical. A lawyer like Tim Louis can help you gather the right evidence to prove your case.
3. How do I prove my invisible illness to a disability insurer?
Proof usually comes from medical records, diagnostic tests (if available), functional assessments, and consistent documentation from your doctor. Personal journals and statements from family or co-workers may also support your claim. Legal guidance helps ensure everything is presented properly.
4. What can I do if my LTD claim was denied in British Columbia?
If your claim is denied, don’t give up. You have the right to appeal or file a lawsuit against the insurance company. Tim Louis has over 40 years of experience helping clients reverse LTD denials — especially for hard-to-prove conditions.
5. How long do I have to appeal a denied long-term disability claim?
Most LTD policies in BC require appeals within 90 days — but some allow up to one year. It’s crucial to act quickly. A free consultation with a disability lawyer can clarify your timeline and next steps.
6. Can I hire a lawyer if I’m already receiving LTD but fear they’ll cut me off?
Yes. It’s wise to speak to a lawyer if your insurer is requesting updated medical exams, surveillance has begun, or communications feel aggressive. Tim Louis can advise you on your rights and help protect your benefits.
7. How much does it cost to hire a long-term disability lawyer?
At Tim Louis & Company, the initial consultation is free. If you choose to move forward, most LTD cases are handled on a contingency basis — meaning you don’t pay unless we win your case.
Further Reading – Learn More About Long-Term Disability & Invisible Illnesses
If you or a loved one is navigating an invisible illness and long-term disability in British Columbia, these resources offer deeper insight, legal clarity, and real-world support. We’ve included both trusted legal information and authoritative public sources to help you feel empowered.
Understanding Long-Term Disability Claims in British Columbia
This guide walks you through the basics of long-term disability benefits, what to expect, and how to protect your rights.
https://longtermdisabilityinsights.com/filing-your-long-term-disability-claim-in-vancouver/
What to Do if Your Long-Term Disability Claim is Denied
If your LTD claim was denied or delayed, this article helps you understand your legal options and how Tim Louis can fight back on your behalf.
https://longtermdisabilityinsights.com/what-to-do-if-your-long-term-disability-claim-is-denied/
Chronic Fatigue and Long-Term Disability Claims
A deep dive into how chronic fatigue syndrome (CFS) is treated under LTD law, and how to document this invisible illness for a strong claim.
https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/chronic-fatigue/
Mental Health and LTD: Your Rights in BC
Tim Louis explains how anxiety, depression, and PTSD are handled in LTD claims and what legal strategies work best.
https://timlouislaw.com/depression-and-long-term-disability-claims/
BC Human Rights Tribunal – Disability Discrimination
The BC Human Rights Tribunal offers protections for people facing discrimination due to disabilities, including invisible ones.
https://www.bchumanrights.ca/discrimination/disability/
Government of Canada – Employment Insurance Sickness Benefits
While not a replacement for LTD, EI sickness benefits may offer interim support for individuals temporarily unable to work.
https://www.canada.ca/en/services/benefits/ei/ei-sickness.html
National ME/FM Action Network – Fibromyalgia & CFS Resources
A non-profit offering tools, advocacy, and awareness about fibromyalgia and chronic fatigue syndrome across Canada.
https://www.mefmaction.com/
Key Takeaways – Invisible Illness & LTD Claims in British Columbia
✔ Invisible illnesses are real—and legally recognized under long-term disability policies in BC, including conditions like fibromyalgia, chronic fatigue syndrome (CFS), depression, and anxiety.
✔ Proving your claim requires more than a diagnosis. Medical evidence, consistency in your treatment, and documentation of how your condition affects your ability to work are crucial.
✔ Insurance companies often deny claims for invisible illnesses due to lack of “objective evidence.” Legal guidance can help you push back with clarity and strength.
✔ Tim Louis Law offers free consultations and has over 40 years of experience standing up to insurance companies on behalf of clients with invisible illnesses.
✔ Acting quickly can protect your rights. Delays or missed deadlines can make it harder to appeal or refile a claim.
Get the Support You Deserve
If you’re living with an invisible illness and struggling to get the long-term disability benefits you deserve, you’re not alone. Tim Louis has helped hundreds of clients across British Columbia push back against unfair insurance denials.
📞 Call (604) 732-7678 today to schedule your free consultation, or
✉️ Email [email protected] to get clear, compassionate legal guidance tailored to your unique situation.
Let Tim Louis & Company help you focus on your health—while they focus on your case.
