Mental Health & LTD in BC: The 20 Most Important Questions Answered
If you’ve been diagnosed with depression, anxiety, PTSD, or another mental health condition—and you’re thinking about applying for long-term disability (LTD) in British Columbia or appealing a denial—you’re not alone. Every year, thousands of professionals quietly reach a breaking point. Some are approved. Many are rejected. Most don’t know where to turn next.
This FAQ hub was created to cut through the noise, the fine print, and the fear—and offer clear, compassionate, and legally sound answers to your most urgent questions.
Whether you’re just starting your claim, you’ve been denied, or you’re trying to figure out if your story “counts”—this is for you.
- Can I get LTD in BC for depression or anxiety?
Yes. If your symptoms significantly interfere with your ability to perform your job duties, you may qualify. Diagnosis alone isn’t enough—you need documentation showing how your condition affects daily work.
➡️ Learn how Tim Louis helps document invisible disabilities →
- What’s the difference between “own occupation” and “any occupation”?
Own occupation means LTD covers your current job. After 24 months, most policies shift to any occupation, meaning your insurer may deny you if they believe you could do any work—even if it’s unrelated to your profession.
➡️ Explained in Section 2 of our Complete Guide →
- Why was my mental health LTD claim denied?
Common reasons include vague doctor’s notes, lack of “objective” proof, or surveillance suggesting you’re functional. Insurers often underestimate how invisible conditions impair work.
➡️ See the top reasons mental health claims get denied →
- Do I need to stop working to qualify for LTD?
Yes. LTD typically requires that you stop working due to medical necessity. Working part-time or pushing through symptoms can weaken your claim.
- Can I get LTD for PTSD?
Yes. PTSD is recognized as a disabling condition under most policies—if it limits your ability to function at work. Legal framing of documentation is key.
➡️ Read Emma’s Story (Fictionalized Case Study) →
- What should be in my doctor’s letter?
Your letter should include:
- Diagnosis
- Functional limitations
- Treatment plan
- Estimated duration of disability
Avoid vague language like “stress” or “burnout.”
➡️ Tim Louis explains how to write an LTD-supportive doctor letter →
- Can I apply for LTD if I’ve already returned to work?
Yes, but it’s more complex. Insurers may use your return as proof you’re functional. You’ll need strong medical evidence to show why returning was unsuccessful.
- Will I lose my job if I file for LTD?
No. Filing an LTD claim does not mean you quit. Your employer must accommodate your disability up to undue hardship under BC’s Human Rights Code.
- Should I appeal a denial on my own?
We don’t recommend it. Insurers track every submission. A poorly written appeal can harm your case long-term. A lawyer can help protect your rights and strengthen your appeal.
➡️ Schedule a free consult with Tim Louis Law →
- Is there a time limit to appeal or take legal action?
Yes. You typically have 2 years from the date of denial to start legal proceedings in BC. Don’t wait—delays can cost you your right to compensation.
- How does surveillance affect my claim?
Insurers may record you in public. Appearing functional—even briefly—can be used to deny your claim. It’s not fair, but it’s common.
➡️ Learn more in Section 3 of our https://longtermdisabilityinsights.com/mental-health-and-long-term-disability-denials-in-bc/
- Is stress covered by LTD?
Not usually. “Stress” is considered too vague. You need a diagnosed condition—like Major Depressive Disorder or Generalized Anxiety Disorder—with documented functional impairment.
- How long does LTD last for mental health?
Many policies include a 24-month limit on mental health claims. But if your condition remains disabling—or if it overlaps with physical symptoms—you may qualify for extended benefits.
- How much will it cost to hire Tim Louis Law?
Nothing upfront. Tim Louis offers no-win, no-fee representation, with a free initial consultation. You only pay if you win.
➡️ Book your free case review →
- Can my employer fire me while I’m on LTD?
Not for being on LTD alone. In most cases, your job is protected under BC law while you’re receiving disability benefits.
- What if I have multiple mental health diagnoses?
That can strengthen your case—if they are properly documented. It’s essential to show how combined symptoms impact your work.
- What if I was denied because of “insufficient evidence”?
This is a standard tactic. With legal help, you can resubmit stronger documentation, detailed functional assessments, and provider letters to reverse the decision.
- Can I receive LTD for situational depression or grief?
Possibly—but the condition must still functionally impair your ability to work. Clinical diagnosis and treatment documentation are key.
- Is a psychologist’s letter as strong as a psychiatrist’s?
Both can be helpful, but insurers often give more weight to medical doctors. Ideally, your treatment plan includes collaboration between providers.
- What happens after I submit an LTD appeal?
The insurer reviews new documentation, often using internal consultants. If denied again, your best next step is legal action—ideally already prepared with your lawyer.
➡️ Start with Tim Louis before you appeal →
Want More Questions Answered?
➡️ Explore the full FAQ Hub →
➡️ Download the free Mental Health LTD Denial Checklist →
➡️ Book a consultation with Tim Louis Law →
