Invisible Illness & Long-Term Disability Glossary

If you're living with Long COVID, Chronic Fatigue Syndrome (CFS/ME), or another invisible illness, the language used in long-term disability law and insurance can feel overwhelming. This glossary is designed to help. Below, you’ll find definitions of key terms—medical and legal—written in clear, everyday language to support your LTD journey in British Columbia.

Post-Exertional Malaise (PEM)

A delayed worsening of symptoms after physical or mental activity. Common among people with Long COVID or CFS. Can include fatigue, cognitive problems, and physical pain.
Related article: Can Heat Make Long COVID or CFS Worse?

Invisible Illness

A condition that significantly affects your daily life but may not be visible to others. Examples include fibromyalgia, depression, and chronic fatigue. These are often misunderstood in the context of LTD claims.

Functional Impairment

The way your illness impacts your ability to work or carry out daily activities. Long-term disability benefits are based on functional limitations, not just a diagnosis.

Long COVID

A post-viral syndrome involving ongoing symptoms that last weeks or months after initial COVID-19 infection. Common symptoms include fatigue, brain fog, and PEM.

Chronic Fatigue Syndrome (CFS/ME)

A long-term illness that causes extreme fatigue and other disabling symptoms. Often overlaps with Long COVID. Common in LTD claims for invisible illnesses.

Legal Consultation

A free opportunity to speak with a disability lawyer about your long-term disability claim. Consultations help determine your rights, especially if your condition is being misunderstood or denied by an insurer.
Book your free consultation with Tim Louis & Company