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
Mental Health & Long-Term Disability in BC: Your Complete Legal & Claim Success Guide 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
Gig Workers and Psychological Safety: How the 2025 Employment-Law Changes Protect Vancouver Workers by Tim Louis In 2025, BC updated employment laws that reclassify many gig workers as employees, giving them access to psychological safety and harassment protections. If you drive for Uber, deliver for DoorDash, or pick up jobs
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
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“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
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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
Mental Health & Long-Term Disability in BC: Your Complete Legal & Claim Success Guide 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
Gig Workers and Psychological Safety: How the 2025 Employment-Law Changes Protect Vancouver Workers by Tim Louis In 2025, BC updated employment laws that reclassify many gig workers as employees, giving them access to psychological safety and harassment protections. If you drive for Uber, deliver for DoorDash, or pick up jobs
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.
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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.
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“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:
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“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.
Mental Health & Long-Term Disability in BC: Your Complete Legal & Claim Success Guide 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
Gig Workers and Psychological Safety: How the 2025 Employment-Law Changes Protect Vancouver Workers by Tim Louis In 2025, BC updated employment laws that reclassify many gig workers as employees, giving them access to psychological safety and harassment protections. If you drive for Uber, deliver for DoorDash, or pick up jobs
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.
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🔁 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
Mental Health & Long-Term Disability in BC: Your Complete Legal & Claim Success Guide 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
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(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
💼 Schedule a Consultation: Click Here →
Don’t Wait. Your Rights Matter. Get Expert Legal Help Today.
By Tim Louis