Long-Term Disability Appeals Lawyer in Vancouver - Tim Louis can help
Denied disability benefits? You still have options — and you don’t have to face this alone.
When your long-term disability claim is denied, it doesn’t just feel unfair — it feels personal. You’ve followed the process, seen your doctor, told your truth. And yet, your insurer says no.
At Tim Louis Law, we’ve been helping people across Vancouver and British Columbia for over 40 years fight back after an LTD denial. We don’t just understand the law — we understand the emotional toll. You don’t need to face this system alone. You need a steady hand, a clear path, and someone who knows exactly how these companies work.
“Tim was the only lawyer who would help me. He called me back himself and treated me like a real person — not just a case.”
— ⭐⭐⭐⭐⭐ Krystal, Google Review
Why LTD Denials Happen
If your disability claim was denied, it doesn’t mean you did anything wrong.
Many people assume that a denial means they don’t qualify — but in our experience, that’s simply not true.
Insurance companies deny valid LTD claims every day. Often, it’s not because you failed to meet the criteria. It’s because they’ve set the bar unfairly high, misunderstood your condition, or focused on technicalities instead of the whole picture.
Here are some of the most common reasons we see:
- “Insufficient medical evidence” — even when your doctor clearly supports your case
- “You don’t meet the policy definition of disabled” — often interpreted in narrow or misleading ways
- Missed deadlines or incomplete forms — small paperwork issues used as leverage
- Surveillance or third-party assessments — sometimes biased or taken out of context
- Invisible disabilities — like mental illness, chronic fatigue, or neurological conditions insurers claim they “can’t measure”
You didn’t fail. The system did.
And we know how to hold it accountable.
How Tim Louis Law Can Help You Appeal
We handle the fight so you can focus on healing.
Appealing a denied LTD claim can feel overwhelming — but it doesn’t have to be. At Tim Louis Law, we take the complexity off your shoulders and build a strong, evidence-based appeal that speaks your truth clearly and powerfully.
Here’s what we do, step by step:
- We analyze your denial and your file
We carefully review every detail in your insurer’s denial letter, your original claim file, and any medical records you’ve submitted. We look for the gaps — not in your health, but in their process.
- We gather persuasive medical evidence
We work directly with your family doctor, specialists, and if needed, independent medical experts. We know what insurers expect — and how to present your condition in a way that cannot be ignored.
- We challenge the insurer’s tactics
If your claim was denied based on a technicality, vague definition, or a so-called “independent assessment,” we challenge it. Insurers rely on patterns. We disrupt them with facts.
- We submit a complete legal appeal
We don’t send form letters. We build a strategic, customized legal submission that reframes your case. And we include everything they missed.
“Most of my clients don’t know where to begin. That’s okay. Just start by calling me.” Tim Louis
What Makes Tim Louis Different
Not every lawyer takes LTD appeals. Even fewer take your story seriously.
There’s no shortage of law firms that promise results. But when you’ve been denied disability benefits, what you need first isn’t a promise. It’s someone who will truly listen.
That’s what sets Tim Louis apart.
For over 40 years, Tim has built a reputation not just as a lawyer, but as an advocate for people who’ve been overlooked, doubted, or dismissed — often by the very systems that were supposed to help.
Clients say the same thing again and again:
“Tim didn’t talk down to me.”
“He called me back the same day.”
“He made me feel like I mattered.”
40+ Years of Trusted Advocacy
Tim has handled LTD claims since the 1980s. He’s not learning this area — he’s shaped it. You’ll benefit from decades of experience challenging insurers at every level.
Grounded, ethical, and on your side
You won’t find flashy claims here. What you will find is honest advice, a calm voice in chaos, and a lawyer who won’t back down when it counts.
“The law should serve people — not intimidate them. That’s how I’ve practiced from the beginning.” — Tim Louis
The LTD Appeal Process in BC – Step by Step
No guesswork. No legal jargon. Just a clear path forward.
Most people who come to us have no idea where to start — and that’s okay. You don’t need to know the process. You need a long-term disability lawyer who will win your case.
Here’s what it looks like when we handle your appeal:
1️. Free Consultation
We begin with a no-cost, no-obligation call. You tell us your story. We review your denial letter and let you know — honestly — if you have a case.
2️. File Review + Strategy
We obtain your full claim file from the insurer, identify where things went wrong, and map out the exact steps to challenge the denial. This is where most appeals fall apart without help. We make it airtight.
3️. Evidence Gathering
We build your case with updated medical records, specialist reports, functional assessments — and when needed, expert opinions. Invisible conditions? We make them seen.
4️. Legal Submissions + Negotiation
We draft a powerful legal appeal that includes what your insurer ignored. We speak their language — and make your claim undeniable.
5️. Resolution or Court
Many cases settle before trial. If not, we’re fully prepared to represent you in court. You won’t be left to fight this alone.
“You don’t have to navigate this alone. I’ll explain what matters, take on what’s overwhelming, and guide you every step of the way.” – Tim Louis
Frequently Asked Questions
Real questions we hear from real people — with honest, human answers.
How long do I have to appeal my LTD denial in BC?
Can I appeal a denied disability claim without a lawyer?
What if my appeal is denied again?
Will I have to go to court?
What if my disability isn’t visible?
You don’t need to have all the answers. You just need a place to ask the questions — and we’re here for that.
Book Your Free LTD Appeal Consultation
You’ve done everything you were supposed to do. Now it’s our turn.
If your LTD claim has been denied — whether recently or weeks ago — don’t wait. You may have more options than you’ve been told.
At Tim Louis Law, we’ll review your case, explain your legal rights in plain English, and help you take the next step with confidence.
There’s no pressure – just a conversation and an advocate who’s been helping people like you for over 40 years.
Ways to Reach Us
📞 Call: (604) 732-7678
📧 Email: timlouis@timlouislaw.com
Download: 7-Step LTD Appeal Checklist (Free PDF)
Online: Book Your Free Consultation →
“Your health matters. Your story matters. And you deserve to be heard. Let’s talk — and see how we can help.”
Related Resources
Explore more essential guides to protect your rights, understand the LTD system, and strengthen your appeal — curated by one of British Columbia’s most trusted disability lawyers.
Why Long-Term Disability Claims Get Denied — And How to Win on Appeal in BC
Discover the most common reasons long-term disability claims are denied in British Columbia — from insufficient medical documentation to pre-existing condition clauses. Learn how to respond strategically, avoid critical mistakes, and build a successful appeal with expert insights from disability lawyer Tim Louis. Includes real-world tips, legal guidance, and a free consultation offer.
https://longtermdisabilityinsights.com/long-term-disability-claim-denials/
The Silent Battle: LTD Claims for Invisible Illnesses in BC
If your disability isn’t visible — like chronic pain, mental illness, or autoimmune conditions — this guide will help you fight back with confidence.
https://timlouislaw.com/autoimmune-disease/Denied LTD Benefits? Here’s What to Do Next
Understand your legal options and how the appeals process works — from someone who’s been doing this work for decades.
https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/Visit Our Legal FAQ Hub
Search or browse frequently asked questions on LTD law, appeals, timelines, and legal strategy — written in plain language.
https://timlouislaw.com/faq-hub/Government & Financial Resources for LTD Claimants in Canada
These resources offer verified legal, financial, and health information for people navigating long-term disability in British Columbia and across Canada. They strengthen your legal understanding and improve your chances of success.
Canada-Wide Government Resource
Canada Pension Plan (CPP) Disability Benefits Toolkit
A detailed step-by-step guide from the Government of Canada on how to apply for and appeal CPP Disability claims. Includes forms, eligibility details, and documentation requirements.
https://www.canada.ca/en/employment-social-development/programs/pension-plan-disability-benefits/reports/toolkit.htmlDisability Benefits Overview – Canada.ca
An excellent starting point for understanding what federal disability supports are available — from tax credits to savings plans and CPP benefits.
https://www.canada.ca/en/services/benefits/disability.htmlDisability Insurance Information – Financial Consumer Agency of Canada
A clear, unbiased breakdown of short-term and long-term disability insurance, with tips for policyholders on benefits, calculations, and exclusions.
https://www.canada.ca/en/financial-consumer-agency/services/insurance/disability.htmlBritish Columbia-Specific Resources
Reconsideration and Appeals for Income and Disability Assistance – BC
A step-by-step government guide explaining how to request a review or appeal of a disability-related decision under BC’s assistance programs.
https://www2.gov.bc.ca/gov/content/family-social-supports/income-assistance/apply-for-assistance/rights-responsibilities/reconsideration-appealsEmployment and Assistance Appeal Tribunal – BC
An independent appeal tribunal that reviews income assistance and disability decisions. Offers instructions, forms, and rights information.
https://www2.gov.bc.ca/gov/content/governments/policies-for-government/bcea-policy-and-procedure-manual/decisions-reconsideration-and-appeal/appealLong Term Disability Plan Regulation – BC Laws
The official legislative text outlining BC’s LTD plan for public service employees. Useful for understanding your rights under provincial frameworks.
https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/13_409_97Tax and Financial Resources
Disability Tax Credit (DTC) – Canada Revenue Agency
A key financial lifeline for individuals with a disability. Learn how to apply for the non-refundable DTC and what medical evidence is required.
https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/tax-credits-deductions-persons-disabilities/disability-tax-credit.html
Take Action Today
For a free legal consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve.
Call us at 604-732-7678 or email us at timlouis@timlouislaw.com.
About Tim Louis
A Trusted Advocate in Long-Term Disability Appeals — Especially for Invisible and Autoimmune Conditions
For over 40 years, Tim Louis has been more than just a lawyer — he’s been a lifeline for people denied the disability benefits they rightfully deserve. Based in Vancouver, Tim has earned a reputation across British Columbia for his deep expertise in long-term disability law, with a special focus on complex cases involving autoimmune diseases and invisible illnesses.
Tim understands the unique challenges these conditions present — from misunderstood symptoms to biased assessments by insurers. That’s why he and his compassionate team provide personalized, strategic legal support for every client.
If your LTD claim was denied — especially if you’re battling an autoimmune condition — Tim Louis is here to help you fight back, with clarity, empathy, and proven results.
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