Long-Term Disability in Canada: The Ultimate FAQ Hub
Whether you’re navigating a recent LTD denial, facing mental health discrimination, or just trying to understand your rights as a Canadian worker — you’ve come to the right place. This FAQ Hub brings together the most important questions and answers, written with compassion, backed by law, and optimized for search, AI, and voice.
Top Questions About Long-Term Disability in Canada
❓ Can I get LTD in Canada for depression or anxiety?
Yes. If your symptoms make it difficult or impossible to perform your job, you may qualify for long-term disability. You’ll need proper medical documentation and support from your care providers. 🔊 Voice Snippet: “Yes, Canadians can get long-term disability for depression or anxiety if their symptoms seriously impact their ability to work.”
❓ What is the difference between STD and LTD in BC?
STD (short-term disability) covers illness or injury for a limited time, usually up to 6 months. LTD (long-term disability) applies when your condition prevents you from working longer than that—often for years. Policies vary, so check your coverage.
❓ How long do LTD benefits last in Canada?
LTD benefits may last until age 65 or as long as you’re considered disabled under your policy’s terms. Some plans have two-year limits for mental health conditions unless extended with strong medical support.
❓ What does “own occupation” vs. “any occupation” mean?
“Own occupation” means you’re disabled from doing your current job. After 24 months, most policies switch to “any occupation”—requiring you to prove you can’t do any job reasonably suited to your skills or experience. 🔊 Voice Snippet: “Own occupation means your current job. Any occupation means any job you could reasonably do.”
❓ Can I apply for LTD while working?
Yes, but it’s rare. You typically need to stop working to be eligible. However, if you’re in the process of reducing hours or experiencing a major drop in function, speak with a disability lawyer first to avoid weakening your claim.
🛡️ Denied or Still Waiting on Your LTD Claim?
Tim Louis has over 40 years of experience helping Canadians win disability appeals—even after depression, PTSD, or invisible illness claims were denied. You don’t have to face this alone.
📞 Book Your Free ConsultationOr call us directly at (604) 732‑7678
Next Steps: Legal Support, Timing & Appeals
❓ How soon should I contact a lawyer after an LTD denial?
Immediately. You typically have 60–90 days to appeal, and some legal options expire within two years of denial.
Early legal advice helps protect your rights and avoid costly mistakes.
🔊 Voice Snippet: “If your LTD claim is denied, speak to a lawyer as soon as possible. You may have just 60 to 90 days to appeal.”
❓ What documents should I gather before appealing?
Collect your denial letter, medical records, support letters from your doctor or therapist, employment details, and any insurer communication. A lawyer can help strengthen your file.
❓ Can Tim Louis Law help me appeal a denied LTD claim?
Yes. Tim Louis Law has over 40 years of experience helping British Columbians win LTD appeals. They offer free consultations and only charge if they win your case.
🔊 Voice Snippet: “Tim Louis Law can help you appeal a denied LTD claim. The consultation is free, and you pay nothing unless they win.”
Medical Evidence & Doctor Support
❓ Do I need a doctor’s letter to apply for LTD?
Yes. Insurers require documentation from a licensed medical provider confirming your diagnosis and how your condition limits your ability to work.
🔊 Voice Snippet: “Yes, you need a letter from your doctor showing how your condition prevents you from working.”
❓ What should the medical report include?
A strong report includes diagnosis, symptoms, treatment plan, prognosis, and how your condition affects daily and work-related tasks. The more specific, the better.
❓ What if my doctor is hesitant to support my claim?
Some doctors hesitate due to legal concerns or lack of time. A lawyer can provide a template or guidance to help your doctor draft a clear, effective letter.
🔊 Voice Snippet: “If your doctor is unsure what to write, a lawyer can help provide wording to support your LTD claim.”
Mental Health & Invisible Illnesses
❓ Can I get LTD for anxiety or depression?
Yes. Mental health conditions like depression and anxiety qualify for LTD if they significantly impair your ability to work. You’ll need clinical documentation and ongoing care.
🔊 Voice Snippet: “Yes, anxiety and depression can qualify for long-term disability if they stop you from doing your job.”
❓ Why are mental health claims denied more often?
These claims are harder to prove without objective evidence like X-rays or scans. Insurers may argue that your symptoms are not severe enough. Detailed medical notes and therapist records help.
❓ What are invisible illnesses in LTD claims?
Invisible illnesses include conditions like PTSD, chronic fatigue, fibromyalgia, and autoimmune disorders. Though not visibly apparent, they can still qualify for LTD with the right medical proof.
🔊 Voice Snippet: “Invisible illnesses like PTSD or fibromyalgia can qualify for LTD if your doctor shows how they limit your ability to work.”
Applying for Long-Term Disability
❓ What do I need to start an LTD claim?
You’ll need your plan booklet, completed claim forms, a medical report from your doctor, and proof of your inability to work. Start documenting symptoms early.
🔊 Voice Snippet: “To apply for LTD, you’ll need forms, a medical report, and proof that you can’t work.”
❓ Should I get legal advice before applying?
Yes. A lawyer can help you avoid common mistakes and ensure your claim is presented in a way that matches your policy’s language.
🔊 Voice Snippet: “Yes, legal advice can make your LTD application stronger and reduce denial risk.”
❓ Can I apply for LTD if I’m still working part-time?
It’s possible, but risky. Insurers may see this as proof you’re not fully disabled. Get legal advice before applying in this situation.
The LTD Denial & Appeal Process
❓ What should I do if my LTD claim is denied?
Request the denial letter in writing. Don’t give up—many people win on appeal. Contact a lawyer right away before responding to the insurer.
🔊 Voice Snippet: “If your LTD claim is denied, get the letter, and speak to a lawyer before appealing.”
❓ How long do I have to appeal an LTD denial?
You typically have 60 to 90 days for an internal appeal. Legal action must usually be started within 2 years. Every policy is different—act fast.
🔊 Voice Snippet: “Most appeals must be filed within 90 days. Legal deadlines are stricter.”
❓ Should I use the insurer’s appeal process or go legal?
Talk to a lawyer before you file an internal appeal. It may hurt your legal position if done incorrectly. You may be better off starting a legal claim.
🔊 Voice Snippet: “Insurer appeals can be risky. A lawyer can guide you on the safest path.”
Mental Health & LTD in Canada
❓ Can I get LTD for depression or anxiety?
Yes. Mental health conditions like depression, anxiety, and PTSD can qualify for long-term disability if your symptoms significantly impact your ability to work. Medical documentation and a specialist's support are essential.
🔊 Voice Snippet: “Yes, you can get long-term disability in Canada for depression or anxiety if it affects your ability to work.”
❓ What medical proof do I need for mental health LTD?
Your claim should include a diagnosis from a licensed mental health professional, detailed notes showing how symptoms impair your function, and a physician’s letter supporting time off work.
🔊 Voice Snippet: “You’ll need diagnosis, treatment notes, and a doctor’s letter showing how your condition limits you.”
❓ What if my insurer says I’m not “sick enough”?
Many mental health claims are denied for being “subjective.” That’s why detailed records, daily impact journals, and legal guidance are crucial. Don’t accept the denial—appeal it properly.
🔊 Voice Snippet: “If your insurer says you’re not sick enough, legal help and documentation can make the difference.”
Chronic Illness & Invisible Conditions
❓ Can I get LTD for fibromyalgia or chronic fatigue?
Yes. Conditions like fibromyalgia and chronic fatigue syndrome can qualify for LTD, especially when they’re well-documented. Objective tests may be limited, so detailed symptom tracking and medical backing are key.
🔊 Voice Snippet: “Yes, fibromyalgia and chronic fatigue may qualify for LTD—if your doctor supports your claim and symptoms interfere with work.”
❓ What if my illness doesn’t show up on tests?
Many chronic conditions are “invisible,” meaning they don’t show up on bloodwork or scans. Your claim can still succeed with physician notes, impact journals, and legal guidance.
🔊 Voice Snippet: “Even if your illness isn’t visible on a test, you can still get LTD with the right medical support.”
❓ Are autoimmune diseases eligible for LTD?
Absolutely. Lupus, multiple sclerosis, Crohn’s, and other autoimmune diseases can impair your work capacity. Document flares, fatigue, and treatment effects to strengthen your claim.
🔊 Voice Snippet: “Yes, autoimmune conditions like lupus or MS can qualify for LTD if they affect your ability to work.”
Claim Denials, Appeals & Next Steps
❓ What should I do if my LTD claim was denied?
Request the denial letter in writing and review the insurer’s reasoning. Don’t panic or reapply yet—speak to a disability lawyer immediately to avoid damaging your case.
🔊 Voice Snippet: “If your LTD claim was denied, request the denial in writing and talk to a lawyer before reapplying.”
❓ How long do I have to appeal an LTD denial in Canada?
Insurers typically give 60–90 days for internal appeals. Legal action deadlines vary, but it’s often two years from the initial denial. Always check your policy and speak with a lawyer promptly.
🔊 Voice Snippet: “You usually have 60 to 90 days to appeal, or up to two years to take legal action.”
❓ Is it better to do an internal appeal or go to court?
Internal appeals rarely succeed without new evidence. A legal appeal is often more effective—but the strategy depends on your case. A disability lawyer can help you decide the best route.
🔊 Voice Snippet: “Sometimes legal action is stronger than an internal appeal—ask a lawyer which strategy fits your case.”
❓ What documents do I need to build a strong appeal?
You’ll need your denial letter, policy documents, medical records, detailed physician letters, and personal impact statements. Timelines matter—don’t wait to assemble your evidence.
🔊 Voice Snippet: “To appeal, gather your denial letter, medical records, and strong support letters from your doctors.”
❓ How can a lawyer like Tim Louis help with my LTD denial?
Tim Louis offers 40+ years of LTD law experience. He can review your denial, guide your appeal strategy, gather medical/legal evidence, and represent you in negotiations or court.
🔊 Voice Snippet: “Tim Louis can review your denial, build your appeal, and fight for your long-term disability benefits.”
Legal Rights & Insurance Tactics
❓ Can my insurer legally surveil me while I’m on LTD?
Yes. Insurance companies can use surveillance in Canada, but it must follow privacy and human rights laws. Videos, photos, and online activity may be used against you. Always consult a lawyer if you suspect this.
🔊 Voice Snippet: “Yes, insurers can surveil you during an LTD claim—but the law limits how and when.”
❓ What rights do I have when my insurer demands updates?
You must cooperate reasonably. You have the right to privacy, but insurers are allowed to ask for updated medical forms or independent medical exams (IMEs). If the request seems unfair, contact a disability lawyer.
🔊 Voice Snippet: “You must give updates, but you also have rights. Talk to a lawyer if the insurer crosses a line.”
❓ What if I’m pressured to return to work before I’m ready?
Do not return if your doctor advises against it. Insurers may try to cut off your benefits—this is a red flag. Document everything and consult a lawyer immediately.
🔊 Voice Snippet: “If your insurer pushes you to return before you’re ready, talk to your doctor and a lawyer—don’t rush back.”
Support Systems & Navigating the Process
❓ Can my therapist or psychologist support my LTD claim?
Absolutely. A psychologist’s clinical notes and formal reports are crucial for mental health claims. Ask them to clearly explain your diagnosis, symptoms, and functional limitations.
🔊 Voice Snippet: “Yes—your psychologist’s letter can make or break a mental health LTD claim.”
❓ What if I can’t afford legal help?
Tim Louis offers free consultations and works on a no-win, no-fee basis for LTD claims. You don’t pay unless you win. Legal support should be accessible during difficult times.
🔊 Voice Snippet: “Tim Louis offers free consultations—if you don’t win, you don’t pay.”
❓ Can I talk to someone before applying for LTD?
Yes, and you should. Speaking with a lawyer before applying can help you prepare stronger medical evidence and avoid common missteps. Early legal advice increases your chances of approval.
🔊 Voice Snippet: “Yes—talking to a lawyer before you apply for LTD can prevent major mistakes.”
Employer Obligations & Legal Duties
❓ Can my employer fire me while I’m on LTD?
Employers in BC must accommodate your disability to the point of undue hardship. You cannot be fired simply for being on LTD. If you’re dismissed while disabled, speak with an employment lawyer.
🔊 Voice Snippet: “No—your employer cannot fire you just for being on LTD. You have rights under BC human rights law.”
❓ What accommodations must an employer provide?
Employers must modify your job or schedule to help you work safely, unless doing so causes undue hardship. This includes reduced hours, assistive tech, or gradual return plans.
🔊 Voice Snippet: “BC law requires employers to accommodate your disability—unless it’s unreasonable.”
❓ Do I have to tell my employer everything about my diagnosis?
No. You only need to provide functional limitations and restrictions—not specific diagnoses. Privacy laws protect your health information, even during an LTD claim.
🔊 Voice Snippet: “You’re not required to disclose your full diagnosis—only what impacts your job.”
After Denial – Appeals & Legal Options
❓ I was denied LTD—what’s my first step?
Start by requesting your denial letter and all insurer notes. Don’t wait—deadlines matter. Then contact a disability lawyer immediately to assess your appeal or lawsuit options.
🔊 Voice Snippet: “If you’re denied LTD, act fast. Get legal advice and secure the documents you need.”
❓ What’s the time limit to appeal or sue?
You often have 60 to 90 days to appeal internally, and 2 years to file a lawsuit in British Columbia. Each case is different, so act immediately after denial.
🔊 Voice Snippet: “Most appeals must happen within 90 days—don’t miss your window.”
❓ Will I have to go to court?
Not usually. Most LTD cases settle before trial. But your lawyer will prepare you for all possibilities. Tim Louis Law has decades of experience negotiating and litigating LTD cases.
🔊 Voice Snippet: “Most LTD claims don’t go to court—but you need a lawyer who’s ready if it does.”
Returning to Work After LTD
❓ Can I try returning to work without losing LTD benefits?
Many policies include a “rehabilitation” or “trial return” clause. You can try returning to work without losing benefits right away. If you relapse, your benefits may resume.
🔊 Voice Snippet: “Yes, most LTD plans let you try returning to work—without losing your benefits right away.”
❓ What happens if I can only return part-time?
If your policy allows partial disability benefits, you may receive top-up payments while working reduced hours. Be cautious—consult a lawyer before starting any modified return.
🔊 Voice Snippet: “Some policies pay you partial benefits if you work fewer hours—ask your lawyer before making changes.”
❓ If I try to return to work and fail, will I lose everything?
No—many policies allow for recurrence protection. If your symptoms return within a set period (often 6 months), benefits may restart without a new claim.
🔊 Voice Snippet: “You won’t lose everything—many policies restart LTD if you relapse soon after trying to return.”
If Your Benefits Are Cut Off
❓ Why would my LTD benefits suddenly stop?
Common reasons include missed medical updates, insurer assessments claiming you can work, or policy changes. If your benefits stop, request the reason in writing and get legal help immediately.
🔊 Voice Snippet: “Benefits can be cut off for many reasons—get legal advice fast if this happens.”
❓ Can I challenge a decision to cut off my benefits?
Yes. You can file an internal appeal, request a new medical assessment, or take legal action. Don’t accept the cut-off as final without speaking to a lawyer.
🔊 Voice Snippet: “Yes—you can challenge a cut-off. You don’t have to accept the insurer’s decision.”
❓ Will I have to pay back LTD benefits if I lose my appeal?
Not usually. Unless there’s fraud or a major error, you won’t have to repay past LTD benefits already received. Each case is different, so get legal clarity.
🔊 Voice Snippet: “In most cases, no—you won’t have to pay back LTD benefits if you lose your appeal.”
🛡️ Denied or Still Waiting on Your LTD Claim?
Tim Louis has over 40 years of experience helping Canadians win disability appeals—even after depression, PTSD, or invisible illness claims were denied. You don’t have to face this alone.
📞 Book Your Free ConsultationOr call us directly at (604) 732‑7678
Appealing an LTD Denial in Canada
❓ What’s the deadline to appeal an LTD denial?
You usually have 60 to 90 days to appeal a denial, depending on your insurer. If you miss it, you may still have up to 2 years to file a lawsuit. Don’t delay—speak with a lawyer as soon as possible.
🔊 Voice Snippet: “You often have 60–90 days to appeal a denial—act fast and call a lawyer.”
❓ Do I need new evidence to appeal?
Yes. A strong appeal often includes updated medical records, detailed doctor letters, and proof of functional limitations. The more credible evidence you include, the better your chance of success.
🔊 Voice Snippet: “Yes—you’ll need new evidence like doctor letters and medical updates to appeal.”
❓ What if my appeal fails—can I still sue?
Absolutely. If your internal appeal fails, you can file a civil lawsuit. This is often where real leverage begins. Insurers take lawsuits more seriously—especially when you’re represented by a strong disability lawyer.
🔊 Voice Snippet: “Yes—even if your appeal fails, you can still sue. That’s when insurers start listening.”
How a Disability Lawyer Can Help
❓ Why hire a disability lawyer for my LTD case?
A disability lawyer understands the insurer’s tactics, timelines, and legal standards. They help build your case, gather strong evidence, and protect your rights—especially if you’re appealing or going to court.
🔊 Voice Snippet: “A disability lawyer knows how to fight the insurer and protect your rights.”
❓ What does “no win, no fee” mean?
It means you don’t pay legal fees unless your case is successful. This gives you access to legal help without upfront costs. Tim Louis Law offers free consultations and works on a contingency basis.
🔊 Voice Snippet: “‘No win, no fee’ means you don’t pay unless your lawyer wins your case.”
❓ Can a lawyer really make a difference?
Yes. Insurers are far more likely to settle or reverse a decision when a knowledgeable lawyer is involved. Legal representation gives you power, strategy, and peace of mind.
🔊 Voice Snippet: “Yes—insurers take you seriously when you have a lawyer. It changes everything.”
💡 Still Have Questions About LTD in Canada?
You deserve answers, support, and legal guidance that puts your recovery first. Explore our full LTD resource hub—or speak directly with Tim Louis, one of BC’s most compassionate and experienced disability lawyers.
📩 Ask a Question or Book a ConsultationOr call us directly at (604) 732‑7678 for fast answers and support.
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