By Long-Term Disability Lawyer Tim Louis
Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act.
When an insurer tells you no, it rarely means the end of the road. Most denials are not final decisions; they’re the company’s interpretation of paperwork, timing, or medical language that can be challenged. Still, the moment you read that letter, fear sets in — How will I pay my bills? Who will believe me? What now?
Take a breath. You do not need to fight this alone. At Tim Louis & Company, we’ve helped British Columbians reclaim denied benefits for over forty years — people with chronic pain, depression, cancer, autoimmune disease, and other conditions that don’t always show on a scan. We know how insurers think, and we know how to make them listen.
If your LTD claim was denied or cut off, this guide will walk you through what that decision really means, what steps to take next, and how to protect your health and income while we challenge the denial together.
Need help now?
Call Tim Louis & Company for a free consultation.
📞 (604) 732-7678 📧 timlouis@timlouislaw.com 🌐 https://timlouislaw.com/contact-us/
English y español disponibles.
A denial does not mean you are not disabled. It means the insurer says it does not yet have what it needs. The letter is often a template with phrases like “insufficient medical evidence,” “not totally disabled under the policy,” or “pre-existing condition.” That language protects the company, not your health.
Most LTD denials in British Columbia are not final. You usually have a right to an internal appeal, and you can start a legal claim if benefits remain refused. You do not have to finish the insurer’s appeal process before filing a claim. Waiting too long can risk the two-year limitation period.
Each of these can be challenged with the right evidence and timing. At Tim Louis & Company, we translate insurer language into plain terms, collect focused medical and vocational proof, and hold insurers to the policy and the law.
If you received a denial, keep treatment consistent, save every letter and email, and contact us early. A short call can clarify next steps and protect deadlines.
Take a breath. You have options, and you have time to use them wisely.
1) Read the denial letter carefully.
Note the date, the stated reasons, and any deadlines for appeal. Keep the envelope and all pages.
2) Ask for your claim file in writing.
Request the full file from the insurer, including adjuster notes, paper review reports, IME reports, surveillance, and internal emails. Keep a copy of your request.
3) Book medical follow-ups.
See your family doctor and any specialists. Bring the denial letter so they can address the insurer’s concerns directly. Update referrals, diagnostic tests, and treatment plans.
4) Start a simple symptoms and function diary.
Write one page per day. Record pain levels, fatigue, sleep, medication effects, and what you could and could not do. Consistent notes help your case.
5) Organise your records.
Create a folder for medical reports, test results, employer letters, job description, benefits booklet, and all insurer correspondence. Save emails as PDFs.
6) Protect your income.
If you are eligible, apply for EI sickness benefits or CPP-D. These can run alongside an LTD dispute. Note interaction rules so you are not penalised.
7) Call a lawyer early.
An early review helps you avoid missed deadlines and unhelpful appeals. We can map the best path and preserve your limitation period.
1) Do not argue by phone only.
If you speak with the insurer, follow up with an email that confirms what was said.
2) Do not stop treatment.
Gaps in care can harm your health and your case.
3) Do not rely on internal appeals alone.
You are not required to finish them, and they do not stop the two-year limitation period.
4) Do not post about your claim online.
Insurers often review social media. Context is easy to lose in a photo or short post.
5) Do not send long, emotional letters.
Keep communication factual and brief until you have advice.
Need help now?
We will review your denial letter and explain your options in plain language.
Tim Louis & Company • (604) 732-7678 • timlouis@timlouislaw.com • https://timlouislaw.com/contact-us/
When an insurer says there is not enough proof, it can feel personal. Your pain is real, and so is your fatigue. The job here is to help the record reflect your day-to-day reality in a way decision makers understand. We will walk with you through that process.
Start with function.
Describe what life looks like. How long you can sit, stand, or focus. How far you can walk. How often symptoms flare. Note what tasks you need help with and what happens after activity. A short daily diary is more powerful than you think.
Objective tests and clinical notes.
Tests like MRIs, EMGs, sleep studies, or lab work can help. So can regular clinic notes that show patterns over time. A normal test does not cancel real limits. Ask your providers to connect the dots from findings to function. Plain language helps everyone.
Work capacity forms.
Residual Functional Capacity forms turn symptoms into clear restrictions. Safe lifting, posture limits, expected absences, and the need for breaks. Invite your doctor to be specific. Instead of words like moderate, ask for numbers, times, and examples.
Keep stories aligned.
Insurers compare your diary, doctor notes, pharmacy refills, therapy charts, and imaging. Small differences are normal. Large gaps create doubt. Bring the denial letter to appointments so your providers can respond to the concerns that were raised.
Mental health matters.
Depression, anxiety, PTSD, and cognitive issues are real and disabling. Useful records include counselling notes, psychiatric opinions, scales that track symptoms, and neuropsychological testing when appropriate. Describe concentration, memory, decision making, and how stress shows up in your body. Safety plans belong in the file if needed.
Medication side effects and combined impact.
Fatigue, brain fog, dizziness, nausea. These can limit safe and reliable work. Write down what you experience and how often it happens. The combined effect of conditions and treatment often explains why steady work is not possible.
Your job, on paper.
Ask for your job description and any notes on duties or attendance. A brief employer letter that confirms essential tasks and productivity expectations can be very helpful.
CPP Disability and LTD.
A CPP D approval can support your LTD claim because both focus on capacity for work. A CPP D denial does not end your case. Share any CPP decisions so we can keep your record consistent.
You are not alone in this. We can help you gather what is needed, speak with your care team, and present your story with dignity and clarity.
Insurers use patterns. Knowing them helps you stay steady and lets us respond with the right evidence.
Paper reviews.
An insurer doctor may review your file without meeting you and say you can work. We counter with detailed treating physician opinions, work capacity forms, and, when useful, independent specialists who examine you.
Surveillance.
Short clips on a good day can be used to suggest you are fine. We place the footage in context with your diary, medical notes, and the reality of fluctuating conditions. A few minutes of activity does not equal full-time, reliable work.
Independent Medical Examinations (IMEs).
These are arranged by the insurer. We prepare you, clarify the scope in writing, and request the examiner’s notes and test data. If the report is incomplete or unfair, we rebut it with focused medical evidence.
The “any occupation” switch at 24 months.
After two years many policies tighten the test for disability. We gather vocational assessments, job market data, and medical opinions that address stamina, reliability, and cognitive limits, not just job titles.
Pre-existing condition clauses.
Insurers may say your condition existed before coverage. We examine the lookback dates, policy wording, and medical records to show onset, flare, or aggravation within the insured period.
Failure to accommodate.
If your employer could not or would not accommodate safe duties, we collect the emails, schedules, and doctor notes that prove attempts were made. This supports both LTD and, when appropriate, human rights or employment claims.
You do not have to engage in a tug-of-war alone. Our job is to turn scattered records into a clear, credible story that the insurer must answer.
Before you appeal or respond to your insurer, make sure you’ve gathered the documents that can protect your claim.
Download our free checklist to get started.
Deadlines matter. Insurers run internal appeal clocks, often 30 to 90 days from the denial letter. Courts apply limitation periods, most often up to two years for a civil claim in British Columbia. These are separate tracks. Finishing the insurer’s appeal process does not extend a court deadline.
Why this matters: some people use all the internal appeals, then learn they are out of time to sue. Others keep negotiating by phone while the limitation period quietly runs down. Both are avoidable.
What to do:
You do not need to choose between being reasonable and being protected. We can do both at the same time, in writing, and on your timeline.
Losing your job while you are ill can feel like the floor giving way. In BC, employers have a duty to accommodate medical limitations up to undue hardship. Ending employment while you are on long-term disability may raise human rights issues as well as employment and insurance claims.
Here is how we look at it:
If you were let go while on LTD or medical leave, keep every document and see your doctor. Then call us. We will explain your options in plain language and build a coordinated plan that protects your income, your health, and your dignity.
Every long-term disability case is different. The court looks at evidence, credibility, and how the insurer handled the claim. The following BC decisions show the range of outcomes over the past few years. They are shared to inform, not to promise any result. Context always matters.
These public cases are drawn directly from CanLII, the Canadian Legal Information Institute, which hosts official court decisions.
Case | Year | Issue | Outcome | Lesson |
Okano v. Cathay Pacific Airways Ltd., 2022 BCSC 881 | 2022 | Termination of long-service employee with disability history | 24 months’ notice adjusted for mitigation | Courts reaffirm the 24-month ceiling but adjust for efforts to find work. |
McKnight v. Sun Life Assurance Co. of Canada, 2023 BCSC 1861 | 2023 | Denial of LTD for chronic fatigue and fibromyalgia | Benefits reinstated; insurer ordered to pay costs | Courts recognise chronic pain and fatigue syndromes when well-documented. |
Chand v. Zurich Life Insurance Company Ltd., 2021 BCSC 1428 | 2021 | Denial based on surveillance and “any occupation” change | Plaintiff successful; full benefits and legal costs awarded | Short video clips did not outweigh consistent medical evidence. |
Schaefer v. Mutual Life Assurance Co. of Canada, 2020 BCSC 1049 | 2020 | Psychiatric condition; insurer alleged exaggeration | Benefits reinstated | The court stressed compassion and careful consideration for mental-health claims. |
Wang v. Industrial Alliance Insurance, 2019 BCSC 1213 | 2019 | Denial for lack of “objective” proof | Insurer ordered to pay arrears | Courts continue to reject the myth that only objective findings count. |
How to read this table:
Each decision turns on the facts. The judge looks at how the insurer handled the file, whether medical records were consistent, and whether the claimant was credible and compliant with treatment. Similar facts can lead to different outcomes depending on documentation and timing.
If your LTD claim was denied or cut off, we can explain how your situation fits within this legal landscape and what steps can move your case toward resolution.
Many denials are based on missing paperwork, limited medical detail, or an insurer’s “paper review” that downplays symptoms. It often comes down to wording, not truth. Most claims can be challenged with fuller medical and functional evidence.
No. You can start a legal claim without completing the insurer’s internal appeal process. Internal appeals do not pause the two-year limitation period to sue. Speaking with a lawyer early ensures you do not lose that window.
Detailed medical notes that explain how symptoms affect work capacity. Functional forms, daily diaries, and employer letters that describe actual job demands all help. Consistency across records matters more than a single test.
Yes, in some cases. Policies vary, but limited or therapeutic work often supports your case when done under medical advice. Keep a record of hours, symptoms, and your doctor’s guidance.
Most BC LTD claims must be filed in court within two years of the insurer’s final denial letter. This timeline can differ by policy. Always note the date on the letter and get legal advice right away.
Further Reading & Community Support
BC Human Rights Tribunal (BCHRT)
Info on discrimination, the duty to accommodate, how to file a complaint, and timelines.
https://www.bchrt.bc.ca/
CPP Disability (Government of Canada)
Who qualifies, how to apply, required medical reports, and appeal routes for Canada Pension Plan Disability.
https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-disability-benefit.html
WorkBC
Job-search tools, training programs, wage subsidies, and career services that can support return-to-work plans.
https://www.workbc.ca/
Employment Standards Branch — Termination & Benefits (BC Government)
Minimum standards for termination pay, benefits continuation, and related employment protections.
https://www2.gov.bc.ca/gov/content/employment-business/employment-standards-advice/employment-standards/termination-pay
Tim Louis & Company — Long-Term Disability Hub
Plain-language guides on LTD denials, evidence, timelines, and how we challenge insurers.
https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/
Tim Louis & Company — Blog
Recent BC cases, practical checklists, and step-by-step advice for LTD and employment issues.
https://timlouislaw.com/blog/
An LTD denial can make you feel unseen. Your symptoms are real, yet a letter suggests otherwise. Take heart. The law in British Columbia gives you a path forward, and your story can be told in a way that decision makers understand. With clear evidence, steady treatment, and the right guidance, many denials are reversed. You do not have to carry this alone. We are here to listen, to explain the steps in plain language, and to protect your health and income while we challenge the decision together.
Tim Louis & Company
2526 West 5th Ave, Vancouver, BC V6K 1T1
📞 (604) 732-7678
📧 timlouis@timlouislaw.com
🌐 https://timlouislaw.com/contact-us/
Free consultation: Email or call with your denial letter and we will review it. Clear, compassionate advice. No pressure.
English y español disponibles.
You can also download our free checklist, “Denied LTD in BC — 7 Documents Your Lawyer Needs Today,” to help you organize your information before we talk.
Having these documents ready can make your free consultation faster and more effective.
Denied LTD in BC? Here’s What Happens Next By Long-Term Disability Lawyer Tim Louis Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act. When an insurer tells
Fired Without Cause in BC? Here’s What Happens Next By Vancouver Employment Lawyer Tim Louis Losing your job can feel like the ground dropped out from under you. In British Columbia, the law gives you real protections and time to breathe before you sign anything. You may be shocked, confused,
Updated: 2025-09
You may look fine to the outside world, but inside, you’re living with pain, fatigue, or symptoms that make working impossible. For many people in Vancouver and across BC, invisible illnesses such as fibromyalgia, depression, chronic fatigue syndrome, PTSD, or autoimmune conditions are life-changing. Yet when it comes time to file a long-term disability (LTD) claim, insurers often treat these conditions with deep skepticism.
The reality is this: invisible illness LTD claims are denied more often than almost any other type of claim. Insurers argue there isn’t “enough objective evidence.” They send claimants to doctors who barely listen, scour their social media accounts, and seize on any gap in treatment as proof that the illness isn’t “serious.”
But here’s the truth that claimants need to hear: Canadian courts have recognized that invisible illnesses are real, valid, and disabling. In fact, in the landmark case Fidler v. Sun Life (2006), the Supreme Court of Canada held that conditions such as fibromyalgia and chronic fatigue syndrome can support LTD claims even without an MRI or blood test.
In this blog, I’ll walk you through:
If your LTD claim has been denied, know this: your pain is valid, your story matters, and you are not alone. I’ve spent decades helping people in Vancouver and across BC fight back against unfair denials. And in this guide, I’ll share strategies that have helped my clients move from rejection to approval — and regain the peace of mind they deserve.
Download our free Invisible Illness LTD Checklist (PDF) to get started or reach out today to speak with me directly about your situation at (604) 732-7678.
When most people think about disability, they picture visible injuries — a broken leg, a wheelchair, or a serious surgery. But some of the most disabling conditions are the ones you can’t see. These are called invisible illnesses.
Invisible illnesses include:
What makes these illnesses “invisible” is that they don’t always show up on scans, X-rays, or blood tests. You can look fine to co-workers or friends yet be struggling every moment to get through the day. This disconnect between appearance and lived reality is one of the biggest reasons insurers challenge LTD claims.
Living with an invisible illness in British Columbia comes with unique challenges:
For many people, these illnesses don’t just make working difficult — they make it impossible. Yet proving that reality to an insurance company takes strategy, persistence, and often legal support.
If your condition is mental health–related, read our dedicated guide: Mental Health and Long-Term Disability in BC
And for broader resources, visit Disability Alliance BC — a respected advocacy group that supports people with disabilities across the province.
It’s frustrating and disheartening to be told your illness isn’t “real enough” to qualify for long-term disability. Unfortunately, invisible illness claims are among the most frequently denied in BC.
Here are the most common reasons and how the law views them:
Insurers often argue that because conditions like fibromyalgia, chronic fatigue, or depression don’t show up on MRIs or blood tests, they can’t be proven.
But the Supreme Court of Canada disagrees. In Fidler v. Sun Life (2006 SCC 30), the Court ruled that chronic fatigue syndrome and fibromyalgia are real and disabling, even without objective lab results. What matters is credible medical evidence, consistent patient reporting, and third-party observations.
If your claim has been denied on this basis, know that the highest court in Canada has already recognized invisible illnesses as legitimate.
Under BC Regulation 409/97, claimants have just 4 weeks from the onset of disability to notify their insurer. Missing this window can give insurers an excuse to deny benefits — even if the illness is genuine.
That’s why it’s critical to seek legal help as soon as your condition prevents you from working. Acting quickly preserves your rights.
It’s common for insurers to hire investigators or scan your Facebook and Instagram profiles. A single photo of you at a family event can be twisted to suggest you’re “healthy enough to work.”
Courts know that surveillance provides only a snapshot, not the full reality of an illness. But insurers use it aggressively. Be mindful of what you share online, and don’t let an investigator’s tactics intimidate you.
Insurers may argue that if you’ve missed appointments or stopped medication, you’re not truly disabled. In reality, many people with invisible illnesses struggle with side effects, access issues, or burnout from endless treatment cycles.
BC courts often accept reasonable explanations — especially when documented — for why treatment isn’t consistent. Having a lawyer present your case helps ensure insurers don’t exploit these gaps unfairly.
Many LTD policies contain clauses excluding conditions linked to previous health issues. Insurers sometimes misuse this, claiming your invisible illness “already existed.”
But the law recognizes that a condition can worsen significantly over time and still qualify for benefits. Legal strategies can overcome these exclusions.
Q: Why are LTD claims for invisible illnesses often denied in BC?
A: Because insurers say there’s no “objective proof,” or they use tactics like strict deadlines, surveillance, or pre-existing condition clauses. But Canadian courts, including the Supreme Court in Fidler v. Sun Life, have recognized that invisible illnesses are real and disabling.
The good news is that invisible illness claims can be won — if the right evidence is gathered and presented properly. Courts in BC and across Canada have made it clear: your experience matters, even if your illness doesn’t show up on a lab test.
Here are the most important types of evidence that can turn a denial into an approval:
Specialist reports from rheumatologists, psychologists, or chronic pain clinics carry weight. Even if there’s no MRI result, a well-documented medical report describing your limitations is powerful.
A Functional Capacity Evaluation (FCE) can also provide objective measurements of what you can and cannot do. These tests measure endurance, strength, and ability to perform work-like tasks. For many invisible illness claimants, FCEs are decisive.
Keeping a daily record of your pain levels, fatigue, and activity limitations shows insurers and courts how your illness affects your real life. A simple journal can illustrate the unpredictability of conditions like fibromyalgia or chronic fatigue syndrome.
Letters or testimony from family members, co-workers, or caregivers provide crucial outside perspective. They confirm that your limitations are real and visible to those closest to you. Courts often accept this “lay evidence” as reliable when medical tests fall short.
Together, these rulings establish that invisible illnesses are not only real but also legally valid grounds for LTD benefits.
Being denied LTD benefits doesn’t have to be the end of the story. In fact, many people in BC win their claims after appeal — but only if they act quickly and strategically. Here’s how to fight back:
Start by asking for the insurer’s decision in writing. This forces them to clearly state their reasons, whether it’s “lack of objective evidence,” missed deadlines, or surveillance. Having their rationale documented sets the foundation for your appeal.
Review what the insurer says is “lacking,” then fill the gaps. That could mean:
This isn’t about proving your worthiness but rather it’s about creating a record that even an insurer can’t ignore.
Most LTD policies allow an internal appeal. While this step can be worthwhile, you should also prepare for the possibility that the insurer won’t change its decision. Keep copies of all correspondence, timelines, and evidence so you’re ready to escalate if needed.
If the insurer refuses to reverse its denial, that’s when legal action becomes necessary. Having a lawyer with experience in invisible illness claims can make the difference between years of stress and a fair resolution.
I’ve represented countless Vancouver and BC residents who were told “there’s no proof” of their disability. The reality? With the right evidence and legal guidance, many of those same clients went on to win their LTD benefits.
Q: Do I need objective proof to win an LTD claim in BC?
A: No. In Fidler v. Sun Life (2006), the Supreme Court of Canada recognized that invisible illnesses like fibromyalgia and chronic fatigue can support LTD claims even without “objective tests.”
Yes. Canadian courts, including the Supreme Court of Canada in Fidler v. Sun Life (2006), have confirmed that conditions like fibromyalgia, chronic fatigue, and depression can be disabling even without “objective” tests. With strong medical reports and legal support, these claims can succeed.
It can. Insurers often hire investigators or monitor Facebook and Instagram accounts for any photos or posts they can twist against you. A single image of you smiling at a wedding may be used to argue you aren’t disabled — even if it doesn’t reflect your daily reality. Courts know this evidence is limited, but it’s still best to be careful about what you share.
Not every illness shows up on a scan or test. That doesn’t mean it isn’t real. Courts accept symptom journals, third-party statements, and specialist assessments as valid forms of proof. Lay evidence from people who know you well can be just as powerful as lab results.
The earlier, the better. Having a lawyer involved at the start of your claim or right after a denial ensures deadlines are met, evidence is gathered properly, and insurers are held accountable. I’ve seen many claims succeed because the right steps were taken early.
If your LTD claim has been denied, download our Invisible Illness LTD Checklist (PDF) or contact Tim Louis & Company today for guidance.
Living with an invisible illness is hard enough. Fighting with an insurance company shouldn’t add to your burden. The truth is clear: Canadian courts, including the Supreme Court of Canada, have recognized that conditions like fibromyalgia, chronic fatigue, and depression are real, disabling, and valid grounds for LTD benefits.
If your claim has been denied, don’t give up hope. With the right evidence, persistence, and legal support, many people in Vancouver and across BC have successfully turned their LTD denials into approvals.
At Tim Louis & Company, we’ve been helping clients for decades to win LTD claims and regain the stability they deserve. I understand how overwhelming this process can feel, and I’m here to guide you every step of the way.
Take the first step today:
“Tim treated me with compassion and respect when no one else believed my invisible illness was real. With his help, I finally received my LTD benefits. I’ll always be grateful.”
Denied LTD in BC? Here’s What Happens Next By Long-Term Disability Lawyer Tim Louis Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act. When an insurer tells
Fired Without Cause in BC? Here’s What Happens Next By Vancouver Employment Lawyer Tim Louis Losing your job can feel like the ground dropped out from under you. In British Columbia, the law gives you real protections and time to breathe before you sign anything. You may be shocked, confused,
By Tim Louis
Nearly four in ten long-term disability (LTD) claims in Canada are for mental health conditions — yet many are denied before they even begin. That figure comes from Sun Life, and it mirrors what I’ve seen in my own practice here in British Columbia.
For more than forty years, I’ve been helping people in BC fight for their LTD benefits. Over that time, I’ve met with clients in their homes, in hospital rooms, and across the table in our Vancouver office. I know the legal side inside out, but I also understand how difficult it is to translate the reality of living with a mental health condition into “acceptable” evidence for an insurance company.
By keeping consistent, thorough records from your doctors and counsellors, making sure they align with how your policy defines disability, and working with someone who has years of experience handling these appeals.
I often explain to clients that a mental health LTD claim is like building a bridge. One side is your lived experience. The other is the kind of proof an insurer will accept. My role is to help you construct that bridge so it’s strong enough to carry your story all the way across.
Across Canada, mental health is now the single largest driver of long-term disability claims. Sun Life’s data puts it at close to 40% of all LTD cases. The Mental Health Commission of Canada echoes that figure, pointing to a steady rise over the last decade.
In British Columbia, the picture is the same — whether you’re in Vancouver, Surrey, Burnaby, or Kelowna, the reality is that mental health conditions are taking more people out of the workforce than any other illness or injury. The list is long: depression, anxiety disorders, PTSD, bipolar disorder, chronic stress, burnout. While the symptoms vary, the result is often the same — the need for time away from work to recover, coupled with the challenge of getting benefits approved.
In my own work, I’ve seen the shift firsthand. Fifteen or twenty years ago, most LTD claims I handled involved physical injuries or illnesses. Now, it’s not unusual for my caseload to be half — or more — mental health related. That change hasn’t been matched by a change in insurer attitudes. Many still want the kind of evidence that fits a physical condition, not the more complex, often less visible nature of a mental health diagnosis.
If you or someone you know is facing this, it’s worth knowing your rights. The BC Human Rights Tribunal has clear guidance on mental health and disability protections. And if your condition falls into what’s sometimes called an invisible illness, I’ve written more about how these cases work in LTD for Invisible Illnesses in BC.
When I look at denied claims for mental health conditions in BC, the same patterns keep showing up. The language in the letters may vary, but the reasons are remarkably consistent:
Each of these hurdles is frustrating, but none of them is final. The key is to treat every denial reason as a puzzle with an answer — and to make sure the answer is supported by both your medical team and the law.
Winning a mental health LTD claim isn’t about flooding the insurer with paperwork. It’s about sending the right documents, in the right way, and making sure they tell a clear, consistent story.
Here’s a core documentation checklist that forms the backbone of a strong claim:
Insider tip: Insurers value steady, consistent treatment notes far more than generic “fit to work” letters. If your care provider updates their notes regularly, those records become one of your most persuasive tools.
Mental health conditions may not show up on an X-ray, but with the right documentation, you can build an evidence base that’s every bit as strong as for a physical injury.
Q: What documents do I need for a mental health LTD claim in BC?
A: Reports from your mental health specialists, functional assessments, a detailed symptom journal, and statements from your workplace — all kept consistent over time.
A denial letter can knock the wind out of you, but it doesn’t have to be the end of your claim. In BC, you have the right to challenge that decision — and in many cases, a strong appeal can turn things around.
Here’s the step-by-step approach I recommend:
A denial is not the end — it’s the insurer’s opening move.
Q: Can you appeal a mental health LTD denial in BC?
A: Yes. With the right evidence and legal strategy, many denied claims can be overturned through an appeal.
When it comes to mental health LTD claims, the right legal support can make the difference between a flat denial and a fair outcome. Over more than four decades of practice, I’ve worked on hundreds of disability cases across Metro Vancouver and throughout BC. Each one is different — but the patterns in how insurers handle mental health claims are easy to spot when you’ve been at this long enough.
A client came to me after being denied LTD for depression. The insurer claimed there wasn’t enough “objective” evidence. We gathered updated reports from their psychiatrist, detailed treatment notes from their counsellor, and a functional capacity evaluation. We also addressed gaps in their therapy record by explaining the legitimate reasons behind them. Within three months of submitting the appeal, the insurer reversed their decision and approved full benefits.
The truth is, insurers aren’t always wrong — but they are always thorough, and you need to be just as thorough in return. That’s where an experienced lawyer adds value: knowing what evidence to prioritize, how to present it, and when to push back.
Contact Tim Louis for a free, no-obligation consultation to discuss your mental health LTD claim. With the right plan, your case can move from uncertainty to resolution.
If you’re dealing with a mental health LTD claim — or thinking about filing one — you don’t have to figure it out alone. The right information and a clear plan can make the process less overwhelming and far more effective.
📞 Phone: (604) 732-7678
📧 Email: timlouis@timlouislaw.com
Serving clients across Metro Vancouver and all of BC, we’re here to make sure your voice — and your evidence — is impossible to ignore.
“Tim Louis is not only an outstanding lawyer, but a compassionate and understanding human being. He handled my disability claim with expertise and empathy, and I felt supported every step of the way.” — R.M., Vancouver
“Tim and his team went above and beyond to ensure my LTD benefits were approved. They treated me like a person, not a case number, and I’ll always be grateful.” — J.L., Surrey
Denied LTD in BC? Here’s What Happens Next By Long-Term Disability Lawyer Tim Louis Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act. When an insurer tells
Fired Without Cause in BC? Here’s What Happens Next By Vancouver Employment Lawyer Tim Louis Losing your job can feel like the ground dropped out from under you. In British Columbia, the law gives you real protections and time to breathe before you sign anything. You may be shocked, confused,
By Tim Louis
“Why is my chronic illness worse in the summer?”
“Can the heat make my symptoms worse?”
Everyone talks about how good the sun feels — except when it drains you to the floor.
For many people living with invisible or chronic illness, summer isn’t a season of relief. It’s a season of flare-ups, exhaustion, and trying to hide what’s happening behind a forced smile.
You’re not imagining it.
Whether you’re managing chronic fatigue, fibromyalgia, depression, an autoimmune condition, or something still being diagnosed, this time of year can magnify everything.
And when your body is crashing but everyone around you says, “You should get outside and enjoy it,” the guilt and shame only add to the pain.
Here’s the truth:
You’re not lazy.
You’re not broken.
And no—you’re not making this up.
You’re living with a real condition that gets worse when the world expects you to feel your best.
And if those symptoms make it harder or impossible to work this summer, you may have the right to apply for long-term disability benefits — even if you’ve never considered it before.
“Yes, you can qualify for long-term disability in BC for fatigue and depression—no matter the season.”
The short answer is: Yes, you can.
You absolutely can qualify for long-term disability benefits in British Columbia—even if your symptoms only become disabling during the summer months.
At our law firm, we’ve worked with clients suffering from:
And what we’ve learned—what we see every single day—is that timing doesn’t change the legitimacy of your disability.
Insurance companies often focus on diagnoses. But legally, what matters most is not the label—it’s your limitations.
…that’s enough to justify a claim.
And it’s enough to deserve support.
Your symptoms don’t have to be obvious to be real.
And they don’t have to fit someone else’s calendar to qualify as disabling.
Invisible illnesses are often misunderstood—and seasonal patterns make them even easier to dismiss. But here in BC, if your condition keeps you from working full-time in a stable, consistent way, you have the legal right to apply for long-term disability—even if that need only becomes clear during the warmer months.
These are some of the most common conditions that worsen in the summer—and may lead to long-term disability claims. If your symptoms make it hard to function or return to work, you may qualify for LTD in BC.
Heat sensitivity, cognitive crashes, and post-exertional malaise (PEM) can become unbearable in the summer.
Even minimal exertion during warmer months may lead to days of severe exhaustion.
Learn more about CFS and LTD claims
https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/chronic-fatigue/
Humidity, heatwaves, and barometric changes can trigger full-body flare-ups.
Pain, muscle stiffness, sleep disruption, and mental fog often increase, especially when routines are disrupted.
Explore how fibromyalgia qualifies for LTD
https://timlouislaw.com/fibromyalgia-and-long-term-disability-claims/
Summer isn’t uplifting for everyone—especially when isolation, social pressure, and reduced structure come into play.
Many people experience increased depressive symptoms during summer, not just winter.
Understand how depression fits into LTD claims
https://timlouislaw.com/depression-and-long-term-disability-claims/
Heat intolerance is a hallmark of many autoimmune conditions.
Vision changes, cognitive slowing, weakness, and joint inflammation can all worsen in high temperatures.
See our autoimmune LTD claim guidance
https://timlouislaw.com/autoimmune-disease/
Long COVID / Post-Viral Fatigue Syndrome
Summer activity can disguise invisible burnout.
People with Long COVID often experience severe crashes after trying to “enjoy” sunny days, leading to misunderstood flare-ups.
Learn how Long COVID may qualify for LTD
https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/chronic-fatigue/
When it comes to long-term disability, your documentation can make or break your claim—especially for invisible or seasonal conditions.
Most insurance companies won’t understand what it feels like to be flattened by fatigue in 28°C weather, or how depression can deepen when social pressure to “be happy” rises.
That’s why you need evidence that connects your lived experience to your legal rights.
Here’s what to start documenting now—especially if your symptoms flare up in the summer:
Use a simple symptom log or journal to document:
You’re not tracking perfection—you’re tracking patterns.
And patterns win claims.
Your doctor may not realize how seasonal triggers affect you—unless you tell them.
Ask for a letter that explains:
It doesn’t need to be complicated—just honest, clinical, and clear.
If your condition is chronic but fluctuating, explain how summer activities drain you after the fact—even if you look okay in the moment.
Clarify this in your own words, or have someone close to you write a support letter.
Insurers do check Instagram, Facebook, and TikTok.
A photo of you at the park, smiling for 15 seconds, can be twisted into:
“You were clearly well enough to work.”
Be mindful about what you share—or speak to a lawyer before you post anything related to your energy or activities.
“We’ve helped many clients win their claim by explaining when their symptoms flare—not just what they are.”
You don’t have to be incapacitated 24/7 to deserve support.
You just have to show that your condition—as it presents in real life—makes consistent work impossible.
If you’re dealing with worsening symptoms, growing uncertainty, or an insurer who just doesn’t seem to get it, you don’t have to figure it out alone.
There are moments in your LTD journey when speaking to a disability lawyer isn’t just helpful—it’s essential.
Here’s when to reach out:
Don’t panic—but don’t wait.
Most LTD denials are based on vague definitions of “proof.” We know how to challenge that.
Maybe you went outside. Posted a photo. Attended a family gathering.
Now the insurer is claiming you’re not disabled because of it.
This is common—and we’ve handled it before.
Sometimes your GP is supportive—but sometimes, they minimize symptoms or rush paperwork.
If you’re not being heard, a lawyer can help you get the right documentation before it’s too late.
Don’t wait for a denial.
We’ve helped many people strengthen their application before filing—saving them months of stress.
“I’ve spent over 40 years helping people fight for the support they deserve—especially when their pain is invisible to others. You don’t have to wait until you’re broken to ask for help.”
“Tim Louis helped me win my LTD appeal after months of frustration. He took me seriously when no one else would. His team made me feel heard.”
— Danielle G., Vancouver
⭐ ⭐ ⭐ ⭐ ⭐
“I was scared to even apply. Tim explained everything clearly and helped me prove how bad my fatigue had gotten. I couldn’t have done it without him.”
— Mark L., Burnaby
⭐ ⭐ ⭐ ⭐ ⭐
If you’re dealing with chronic fatigue, depression, or autoimmune symptoms this summer—don’t wait until your claim gets denied.
This guide is built for BC residents who need clarity, confidence, and next steps.
Inside, you’ll find:
Chart your energy, pain, mood, and heat reactions to strengthen your claim or file proactively.
Get our lawyer-reviewed checklist of what insurers look for—and how to present your case with confidence.
Not sure what to say to your doctor or employer? This section helps you describe your condition without guilt or shame.
Learn how to spot biased surveillance, wrongful interpretation of symptoms, and key documentation gaps.
Download it now:
Disability & Invisible Illness in BC – Free July 2025 Guide (PDF)
Perfect for:
Yes. In BC, long-term disability is based on your ability to work consistently, not when your symptoms occur. If summer flare-ups make full-time work impossible, you may qualify—even if your condition is seasonal.
Yes, chronic fatigue syndrome (CFS/ME) is a recognized medical condition. If it causes functional limitations—such as extreme exhaustion, brain fog, or post-exertional crashes—you may be eligible for long-term disability.
Insurers often assume summer = wellness. They may cite activity, sunlight, or social posts as evidence against your claim. These are biased assumptions that can be challenged with medical support and proper documentation.
Yes. While many associate depression with winter, seasonal depression can spike in summer, especially due to isolation, disrupted routines, or social pressure. Mental health flare-ups in warmer months are real and legally valid.
Track symptoms daily, get letters from your doctor, describe how heat or seasonal changes impact your ability to function, and avoid social media missteps. Patterns matter more than perfection.
You should talk to a lawyer if:
These resources can help you better understand your rights, your condition, and the long-term disability process in BC.
We’ve chosen these to support people living with fatigue, pain, or depression—especially those newly diagnosed or struggling in the summer months.
Understand how fibromyalgia qualifies for long-term disability, and what kind of documentation helps support your claim.
https://timlouislaw.com/fibromyalgia-and-long-term-disability-claims/
Learn how mental health conditions—including seasonal depression—can meet the definition of disability under most LTD policies.
https://timlouislaw.com/depression-and-long-term-disability-claims/
Discover how chronic fatigue syndrome (CFS/ME) and post-viral conditions like Long COVID are handled by insurers—and what to do if you’ve been denied.
https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/chronic-fatigue/
If you’re ready to talk or just need more information, we’re here to listen. Book a free consultation online.
https://timlouislaw.com/contact-us/
Review the official BC government overview of disability programs, policies, and eligibility criteria.
https://www2.gov.bc.ca/gov/content/family-social-supports/services-for-people-with-disabilities/disability-assistance
Denied LTD in BC? Here’s What Happens Next By Long-Term Disability Lawyer Tim Louis Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act. When an insurer tells
Fired Without Cause in BC? Here’s What Happens Next By Vancouver Employment Lawyer Tim Louis Losing your job can feel like the ground dropped out from under you. In British Columbia, the law gives you real protections and time to breathe before you sign anything. You may be shocked, confused,
by Tim Louis
Living with fibromyalgia or chronic pain isn’t just exhausting — it can feel invisible. While the symptoms are very real and often debilitating, many individuals face an uphill battle when trying to prove their condition to insurance companies or disability providers.
Unlike a broken bone or a visible injury, chronic conditions like fibromyalgia can be misunderstood or minimized, leading to unfair denials and months — even years — of frustration and lost income. It’s a system that too often fails the people who need support the most.
At Tim Louis Law, we’ve helped clients across Vancouver and British Columbia stand up to these denials and reclaim their right to long-term disability benefits. We understand what you’re going through — and we’re here to help you be heard, believed, and supported through every step of your claim.
We often hear the following question:
What should I do if my fibromyalgia disability claim is denied in British Columbia?
If your disability claim for fibromyalgia has been denied in BC, don’t lose hope. At Tim Louis Law, we’ve helped many clients with invisible conditions like chronic pain successfully appeal their denials. The key is strong medical documentation, consistent care, and legal support that truly understands your condition. Reach out — we’re here to stand with you.
⭐⭐⭐⭐⭐
Tim and his team really listened to me. I have chronic pain that’s hard to explain, and other lawyers just didn’t get it. But Tim made me feel heard — and he fought hard. I finally got the support I needed after years of feeling dismissed.”
– Melanie C., LTD Client (2024, Google Review)
Fibromyalgia and chronic pain are often misunderstood — not just by insurance companies, but sometimes even by doctors and family members. These conditions can be invisible to the eye, yet deeply disruptive to your daily life. If you’re living with widespread pain, fatigue, and cognitive fog, you know how real it is.
Unfortunately, because these conditions don’t always show up on medical scans, disability insurers are quick to dismiss them. They may label you as exaggerating or say there’s “insufficient objective evidence.” This couldn’t be further from the truth.
At Tim Louis & Company, we understand the toll that chronic pain takes — not just physically, but emotionally and financially. We’ve stood beside countless clients who’ve been denied the support they rightfully deserve. Our job is to believe you, build a compelling case with the right medical and legal evidence, and fight to overturn unfair denials.
One of the most common questions I hear from clients living with fibromyalgia or chronic pain is, “Do I even qualify for long-term disability benefits?” The short answer is: Yes — but it depends on how we frame your case.
Disability insurance providers look at three main things:
If you’ve been working consistently, your employment history helps show that you want to work — you’re not avoiding responsibility. But when chronic pain interferes with your ability to perform, your legal right is to access the benefits you’ve paid for.
At Tim Louis & Company, we guide you step by step. We don’t just file paperwork — we help build your narrative, backed by medicine, law, and truth.
If you’re unsure whether you qualify for disability benefits due to chronic pain or fibromyalgia, don’t navigate it alone. One phone call can make all the difference.
📞 Call us at (604) 732-7678 or book a free consultation today — we’ll help you understand your options and protect your rights with care and compassion.
⭐⭐⭐⭐⭐
“Mr. Tim Louis was on track when he said that appeals for disability tend to be unsuccessful on their own. With a private lawyer like him by my side, the process became manageable and less frightening. He gave me direction and hope.”
— Kimberley Laing, Google Review (2024)
When you’re already dealing with constant pain, the last thing you need is a denial letter from your insurer. Unfortunately, we see it all the time — clients who should qualify are denied on technicalities, poor documentation, or misunderstandings of their condition.
Here are the most common reasons long-term disability (LTD) claims are denied in British Columbia — and what you can do about them:
❌ 1. “Insufficient Medical Evidence”
Even if your doctor supports your claim, insurers often say it’s not “objective enough.”
Tip: Detailed notes from specialists, pain journals, and functional capacity evaluations can help.
❌ 2. Diagnosis Delays or Ambiguity
Fibromyalgia and chronic pain are often diagnosed through exclusion, which insurers use as a loophole.
Tip: A clear timeline of your symptoms, referrals, and assessments builds credibility.
❌ 3. Inconsistent Medical Records
If your paperwork contains gaps or inconsistencies (e.g., saying you’re “doing better” on one visit), insurers may pounce.
Tip: Stay consistent. Clarify pain levels honestly at every appointment.
❌ 4. Failure to Follow “Treatment Protocols”
Some claims are denied because the insurer claims you’re not doing enough to recover — like trying medications, therapy, or rehabilitation.
Tip: Follow your doctor’s advice and keep track of everything you’ve tried, even if it didn’t work.
❌ 5. Surveillance or Social Media
Yes, they check. If you’re seen doing something “inconsistent” with your claim, even if it’s a good day, it can be used against you.
Tip: Be cautious with public posts. A photo doesn’t show your pain the next day.
You’re not alone. We’ve helped dozens of clients turn “no” into “yes” — with empathy, clarity, and firm advocacy.
📞 Call Tim Louis & Company at (604) 732-7678 or contact us here to review your denial letter together.
At my firm, we often meet people who’ve been struggling not just with their health, but also with the stress of a system that doesn’t believe them. If you’re living with fibromyalgia or chronic pain, your symptoms may be invisible to others — but they are real, and they deserve to be recognized.
Here’s how we help strengthen your disability claim:
⭐⭐⭐⭐⭐
“Six other lawyers would not take my LTD case for various reasons. Tim patiently explained the case to me and told me exactly what was possible. He gave me hope when I had none.”
— Jodi Bazzul, Verified LTD Client (2023)
If you’re living with an invisible illness and unsure where to begin, you’re not alone.
📞 Book a free consultation — let’s start building your case today.
At Tim Louis & Company, we know how discouraging it can feel to face a disability claim denial — especially when you’re already struggling with debilitating pain. But you don’t have to face this alone, and there are clear, strategic steps you can take to improve your chances of success.
Here’s how you can strengthen your long-term disability claim for chronic pain or fibromyalgia in British Columbia:
✅ Keep a Daily Symptom Journal
Judges and insurers aren’t just interested in your diagnosis — they need to understand how your condition affects your daily life. A simple journal noting when you’re in pain, when you’re unable to get out of bed, or how symptoms affect your ability to focus or move is powerful, human evidence.
✅ Get Consistent Medical Treatment
Even if it feels like your doctors aren’t helping much, it’s vital to keep attending appointments. Gaps in treatment can be used against you. If your pain makes attending difficult, make sure this is noted in your records.
✅ Work with the Right Specialists
Family doctors are important, but specialist reports (from rheumatologists, pain specialists, psychologists, etc.) carry extra weight. We often help clients get referred to the right professionals to reinforce their case.
✅ Explain the Impact on Your Work
The more specific you are, the better. Can’t sit for more than 20 minutes? Can’t stand for more than 10? Need rest breaks every hour? These details matter. Your employment history and job description will be key.
✅ Be Ready for Surveillance and Disbelief
Insurance companies may hire private investigators to observe your activities. Be honest about what you can and can’t do — and don’t minimize your symptoms just to “seem strong.” We believe you. Let us help you make sure others do too.
Tim Louis is known across BC for standing up to insurers — especially in cases involving chronic pain and invisible illnesses. We offer free consultations and never charge unless you win.
👉 Book Your Free Consultation Now
Don’t let insurers control the outcome. Our free checklist will walk you through the exact steps you can take — starting today — to build the strongest possible claim for fibromyalgia or chronic pain.
✅ What to track in your symptom journal
✅ Which medical reports carry the most weight
✅ How to communicate your work limitations
✅ What to do if you’re being followed or investigated
✅ How to stay compliant without burning out
We’ve put our 40+ years of legal experience into this guide — and it’s yours, free.
At Tim Louis & Company, we understand how overwhelming it can be to navigate the complexities of a long-term disability claim—especially when you’re already living with the daily challenges of fibromyalgia or chronic pain. That’s why our entire legal team is committed to walking this journey with you, not just for you.
Here’s how we can help:
“Helping clients overcome the hurdles of insurance bureaucracy is more than a job—it’s a calling. If I can ease even a bit of your burden, that makes my day.”
— Tim Louis, Disability Lawyer, Advocate, and Ally
Our Tim Louis & Company Services page highlights how we support disability clients across BC — from paperwork to appeals.
Living with fibromyalgia or chronic pain is difficult enough without having to battle an insurance company at the same time. The good news? You don’t have to do it alone — and you can win your claim with the right legal support.
At Tim Louis & Company, we’ve helped countless clients navigate the maze of long-term disability applications and appeals. When insurers rely on invisibility to dismiss your experience, we build a case that makes your pain undeniable — documented, supported, and heard.
If you’re even considering filing a claim — or if you’ve already been denied — reach out. The earlier you get legal support, the stronger your case becomes.
Contact Tim Louis & Company Today
Tim Louis & Company
2526 West 5th Ave, Vancouver, BC V6K 1T1
📞 (604) 732-7678
📧 timlouis@timlouislaw.com
🔗 www.timlouislaw.com
Yes. In British Columbia, fibromyalgia and chronic pain can qualify for long-term disability benefits if they prevent you from performing your job. It’s essential to have strong medical documentation and a supportive legal strategy.
Claims are often denied due to the “invisible” nature of the condition, lack of objective test results, or skepticism from insurance companies. Many insurers dispute the legitimacy of chronic pain disorders without robust supporting evidence.
You need a formal diagnosis from a qualified doctor, consistent treatment history, detailed clinical notes, and ideally, supporting letters from specialists such as rheumatologists or pain management experts.
Yes. Having a lawyer significantly increases your chances of success. A skilled disability lawyer can help gather medical evidence, file timely appeals, and represent you against the insurance provider’s legal team.
It varies. Some appeals are resolved within a few months, while others may take longer depending on the insurer’s response and the strength of your supporting documents. Legal representation can often speed up the process.
Contact an experienced disability lawyer immediately. Do not delay — there are strict time limits for appeals. Tim Louis & Company offers free consultations to help you understand your legal options.
Your work duties, job demands, and history of accommodation attempts play a key role. Insurers will assess whether your condition reasonably prevents you from fulfilling the core functions of your job.
Denied LTD in BC? Here’s What Happens Next By Long-Term Disability Lawyer Tim Louis Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act. When an insurer tells
Fired Without Cause in BC? Here’s What Happens Next By Vancouver Employment Lawyer Tim Louis Losing your job can feel like the ground dropped out from under you. In British Columbia, the law gives you real protections and time to breathe before you sign anything. You may be shocked, confused,
A denied disability claim isn’t the end. It’s the beginning of your comeback.
By Tim Louis
Denied — But Not Defeated.
You did everything right.
You filled out the forms.
You submitted the medical records.
You told the truth.
And still, the letter came: Your long-term disability (LTD) claim has been denied.
That moment can feel like a wave of frustration, confusion, and even fear — especially when you’re already carrying the weight of a serious health condition. It’s not just a financial setback. It’s personal. It feels like no one is listening.
But here’s what we want you to know:
A denial is not the end of your claim.
In fact, many people across British Columbia go on to successfully appeal their LTD denials — and secure the benefits they’ve earned. It just takes the right approach, the right information, and the right support.
Whether your insurance company says your condition isn’t “disabling enough,” or they claim you haven’t provided enough “objective evidence,” we’ve helped people in the exact same situation turn things around.
In this guide, you’ll learn:
If your insurer has said “no,” this is your chance to say: Not yet.
Let’s take the next step together — and give your appeal the best possible chance of success.
If your long-term disability (LTD) claim has been denied, don’t navigate the appeal process alone. Our comprehensive PDF guide explains exactly what steps to take next — and how to protect your rights.
You’re Not Alone — And It’s Not Your Fault.
One of the most frustrating things about a denied LTD claim is how often it happens — even when people genuinely can’t work due to illness or injury.
In fact, studies suggest that as many as 60–70% of long-term disability claims are initially denied by insurers in Canada. That means it’s not just you — this is a widespread issue. And often, it has nothing to do with whether your condition is real.
Insurance companies are in the business of making money — not paying it out. The denial process is often driven by policies designed to reduce costs, even when the facts are on your side.
Here are some of the most common reasons insurers give for denying LTD claims:
At Tim Louis Law, we’ve seen every one of these tactics — and we know how to respond.
The good news is that a denial isn’t final. With the right steps, you may be able to overturn it.
In the next section, we’ll walk you through exactly what to do next — and how to start building an appeal that gives you the best chance of success.
Step by Step — Your Comeback Starts Here.
You’ve received a denial letter — and you’re ready to take action. That’s the first and most important step.
At Tim Louis Law, we want you to know this: you’re not powerless.
There’s a clear, proven process to appealing an LTD denial — and with the right approach, your chances of success go up dramatically.
Here’s how to start building an appeal that truly reflects the reality of your situation:
It might be painful to go through, but this document holds key information about why your claim was denied.
Look for:
We often find that denial letters are vague, confusing, or based on incomplete information. That’s something we know how to challenge.
This is where your appeal starts to take shape. You want to show, as clearly as possible, that your condition prevents you from working.
This might include:
If your illness is invisible — like fibromyalgia, chronic fatigue, or depression — this step is especially important. We’ll help you build the evidence insurers can’t ignore.
In most cases, you have strict timelines to file an appeal. In British Columbia, these may vary depending on your policy, but it’s not uncommon to have as little as 90 days from the denial date.
Don’t wait. The sooner you act, the more options you’ll have.
This step is where many successful appeals begin. When you have an experienced LTD lawyer on your side, everything changes:
And most importantly: you don’t have to carry the weight alone anymore.
When you’re sick, exhausted, and trying to focus on healing, the appeals process can feel like an impossible burden.
But you don’t have to go through it by yourself.
Let us help. Let us fight for you — with compassion, with experience, and with everything we’ve learned from 40+ years of standing up to insurance companies.
Once your appeal is submitted, the process begins — but it doesn’t mean you’re left in the dark. Here’s what typically happens next, and how our team supports you at every stage.
You Don’t Have to Do This Alone — And You Shouldn’t.
We’ve had so many clients come to us after trying to navigate their appeal on their own — overwhelmed by paperwork, confused by insurance jargon, and simply worn down.
And we always tell them the same thing: you’re not expected to be an expert in disability law. That’s our job.
An experienced long-term disability lawyer can change the entire course of your appeal. Here’s how:
✅ 1. We Know How Insurers Think
We’ve seen the patterns.
We’ve read the fine print.
We know the tactics — and we know how to respond.
Whether it’s a vague denial letter or an unfair demand for “objective proof,” we help cut through the fog and keep the focus where it belongs: on your right to fair benefits.
✅ 2. We Handle the Heavy Lifting
From gathering medical records to writing appeal letters to negotiating directly with your insurer — we take care of the details, so you can focus on your health.
No more back-and-forth emails. No more trying to decipher complicated policy language. We handle it.
✅ 3. We Build a Stronger, Clearer Case
Insurance companies respond to precision and persistence. We help:
✅ 4. We Advocate for the Full Benefits You Deserve
Some insurers offer a small settlement to make a case go away.
We look beyond that — aiming to secure all the benefits you’re owed, and the long-term support your condition requires.
We don’t rush.
We don’t back down.
And we don’t stop until we’ve explored every possible path forward.
Having a lawyer on your side isn’t just about the paperwork. It’s about feeling protected. It’s about knowing you’re not alone in this fight.
And for many of our clients, that peace of mind is just as valuable as the benefits we help them win.
Don’t Let These Mistakes Cost You Your Benefits.
When you’re dealing with the stress of a long-term disability and the frustration of a denied claim, it’s easy to feel overwhelmed. Unfortunately, that’s when people often make small mistakes that have big consequences.
We’ve seen these errors — and we want to help you avoid them.
Here are the most common LTD appeal mistakes we see in British Columbia, and how to stay clear of them:
❌ Missing Deadlines
LTD appeal deadlines can be as short as 60–90 days depending on your policy. If you miss that window, you may lose your right to appeal altogether.
What to do:
Act quickly. Contact a lawyer right away — even if you’re unsure you want to move forward. A simple consultation can protect your timeline.
❌ Not Understanding the Reason for Denial
Some people try to argue their case without fully reading the denial letter. But without knowing why you were denied, it’s hard to build an effective response.
What to do:
Read the letter carefully, or let a lawyer walk you through it. Sometimes, it’s not what they say — it’s what they leave out.
❌ Providing Incomplete or Generic Medical Evidence
Your doctor’s note might say you’re “not fit for work” — but that’s not always enough. Insurers want specifics. They may also challenge vague or outdated records.
What to do:
Work with your doctor (or legal team) to provide focused, detailed documentation — especially if your condition is invisible or fluctuating.
❌ Communicating Directly with the Insurance Company Without Legal Support
It’s natural to want to explain yourself. But the truth is, anything you say can be misunderstood — or even used against you later.
What to do:
Once you’re appealing, let a lawyer handle all communication. It’s not just about protecting you — it’s about controlling the narrative and strengthening your case.
❌ Assuming You Can’t Win
This is the most heartbreaking mistake of all: people give up before they’ve even begun. They believe the denial is final, or that no one will believe them.
What to do:
Remember — many people do win their appeals. And you may have a stronger case than you think.
From Denied to Approved — A Client’s Journey Back to Hope
When R.B. reached out to us, they were facing a daunting situation: their long-term disability (LTD) benefits had been terminated by Canada Life on grounds that seemed unclear and unjust. The sudden loss of support left them feeling overwhelmed and uncertain about the future.
At Tim Louis Law, we understand how devastating such denials can be, especially when you’re already coping with health challenges. We assured R.B. that they were not alone and that there were steps we could take together to challenge the decision.
We began by thoroughly reviewing the denial letter and gathering comprehensive medical evidence to support R.B.’s claim. Our team handled all communications with the insurer, ensuring that R.B. could focus on their health and well-being without the added stress of legal complexities.
Through persistent advocacy and a clear presentation of the facts, we were able to demonstrate the legitimacy of R.B.’s claim. The insurer reversed their decision, and R.B.’s benefits were reinstated, providing them with the financial support they needed to focus on recovery.
Reflecting on the experience, R.B. shared:
“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.”
— R.B., Google Review
Disclaimer: This story is based on a real client experience. Individual results may vary depending on the specifics of each case.
Title: “Download Your Free Guide: 7 Steps to Take After Your LTD Claim Is Denied in BC”
If your long-term disability claim has been denied, knowing what to do next can feel overwhelming. That’s why we’ve created a simple, actionable checklist to help you move forward — one clear step at a time.
This free resource is designed for people across British Columbia who are facing an LTD denial and want to give their appeal the strongest possible foundation.
📥 What’s Inside:
✅ How to read and respond to your denial letter
✅ What evidence to gather (and what to avoid)
✅ Deadlines that could make or break your case
✅ Common mistakes that delay or derail appeals
✅ When to speak to a lawyer — and why it helps
Whether you’re appealing on your own or thinking about working with legal support, this checklist can help you get started with confidence.
Download Now — No signup required.
👉 [Download the Checklist PDF]
Bonus Tip:
We recommend sharing this with your doctor or healthcare provider as well — it can help them better understand what’s at stake and how to support your claim
What You Need to Know After an LTD Denial in BC
If your long-term disability claim has been denied, it’s important to know this:
✅ You’re Not Alone — and It’s Not the End
Many LTD claims in British Columbia are denied at first. But with the right steps, they can be successfully appealed.
✅ Understand the Denial Letter
Your appeal starts with knowing why you were denied. The insurer’s reasons shape your next moves.
✅ Strong Medical Evidence Is Key
Vague or missing documentation is a common reason for denial. Detailed, focused reports can make all the difference.
✅ Act Fast — Deadlines Matter
You may have only 60–90 days to appeal. Waiting too long can limit your legal options.
✅ Legal Help Improves Your Chances
An LTD lawyer can handle the paperwork, talk to the insurer on your behalf, and build the strongest possible case.
✅ Avoid Common Mistakes
Don’t miss deadlines, submit incomplete files, or communicate directly with the insurer without guidance.
✅ Support Is Available
You don’t have to go through this alone. We’re here to listen, guide you, and fight for the benefits you deserve.
You Deserve More Than a Denial Letter.
Being denied long-term disability benefits is hard enough. Trying to fight the insurance company on your own? That’s not something you should have to face — especially when you’re already unwell.
At Tim Louis Law, we’ve spent over 40 years helping people just like you turn denials into approvals.
We know how the system works — and we’re here to make sure it works for you, not against you.
📞 Call: 604-732-7678
🕓 Office Hours: Monday to Friday, 9am–4:30pm
Or use our secure contact form here: [Free Consultation]
You’ve been through enough already.
Let’s take this next step together — and fight for the benefits you’ve earned.
LTD Appeals: Answers to the Questions You Might Be Afraid to Ask
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If you’re exploring your options after a denied LTD claim, these articles may help you feel more confident and informed.
The Silent Battle: Why LTD Claims for Invisible Illnesses Are Denied in BC
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Long-Term Disability Appeals Lawyer in Vancouver
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Discover how legal missteps — even after death — can cost your family time, money, and peace of mind.
Legal Services in British Columbia – Tim Louis Law
A full overview of how we help clients in LTD, personal injury, employment law, estate litigation, and more.
🔁 This page is part of our Living Content System™ and reviewed regularly for accuracy and legal compliance.
🕒 Last reviewed: by Tim Louis, Long Term Disability Lawyer in Vancouver
Denied LTD in BC? Here’s What Happens Next By Long-Term Disability Lawyer Tim Louis Being denied long-term disability can feel like losing your footing twice: once to illness, and again to disbelief. In British Columbia, you still have rights, and you still have time to act. When an insurer tells
Fired Without Cause in BC? Here’s What Happens Next By Vancouver Employment Lawyer Tim Louis Losing your job can feel like the ground dropped out from under you. In British Columbia, the law gives you real protections and time to breathe before you sign anything. You may be shocked, confused,
(604) 732-7678
www.timlouislaw.com
2526 West 5th Ave,
Vancouver, BC V6K 1T1
ABOUT VANCOUVER, BC BASED LAW FIRM SPECIALIZING IN LONG-TERM DISABILITY, PERSONAL INJURY, EMPLOYMENT LAW AND ESTATE LITIGATION.
At the law firm of Tim Louis and Company, we are committed to helping people through difficult times. Starting with a free consultation, we help people who need it most to get the compensation they deserve. Our practice includes Long-Term Disability, Personal Injury, Employment Law and Estate Litigation. With over four decades of experience, Tim Louis has helped people across British Columbia get legal help when they need it most.
Estate Litigation & Wills | Long-Term Disability Claims | Personal Injury
Employment Law | Wills & Estate Planning | Probate Administration
Experienced. Trusted. Results-Driven. Protecting Your Rights in Vancouver.
⚖️ Over 40 Years of Legal Advocacy – Fighting for Justice in BC
📞 Call Now: (604) 732-7678
📧 Email: timlouis@timlouislaw.com
📍 Visit Us: 2526 West 5th Ave, Vancouver, BC
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Don’t Wait. Your Rights Matter. Get Expert Legal Help Today.
By Tim Louis