Burnout is more than just feeling tired or stressed at work. For many Canadians, it’s a real health condition that can make it impossible to continue working. But is burnout a disability under employer-based or private long-term disability plans? If your burnout symptoms are severe enough to prevent you from working, you may be eligible for benefits under your employer or private disability insurance plan. Let’s explore what the evidence says, what you need to prove your claim, and how you can get the support you deserve.

What Is Burnout?

Burnout is a state of emotional, mental, and physical exhaustion caused by excessive and prolonged stress—most often related to the workplace. It’s recognized by health professionals as a serious condition that can impact every part of your life.

Common Causes of Burnout

• High job demands and tight deadlines

• Lack of support or recognition at work

• Unclear job expectations

• Poor work-life balance

Burnout can affect anyone, but it’s especially common in high-stress professions or workplaces with little support.

Burnout Symptoms

Recognizing burnout symptoms is the first step to getting help. Symptoms may include:

• Constant fatigue and low energy

• Trouble sleeping or changes in sleep patterns

• Feeling detached, hopeless, or cynical about your job

• Difficulty concentrating or making decisions

• Physical complaints like headaches or stomach issues

• Increased irritability or mood swings

• Loss of motivation or interest in work

If you’re experiencing several of these symptoms, it’s important to talk to your doctor and document your experience. Learn more about mental health claims and how they relate to long term disability.

Can Burnout Qualify for Long Term Disability?

Many Canadians wonder, is burnout a disability that qualifies for long term disability benefits? The answer is yes—if your burnout symptoms are severe enough to prevent you from working, you may be eligible for benefits under your employer or private disability insurance plan. And if you’re denied your long term disability benefits, Share Lawyers can help.

What Do Insurers Look For?

To approve a claim for burnout, insurers typically look for:

• A clear diagnosis from a qualified healthcare professional

• Evidence that your symptoms prevent you from performing your job duties

• Proof that you’re following recommended treatment and support plans

For more on what qualifies, see What Conditions Qualify for LTD?.

What Evidence Supports a Burnout Claim?

Building a strong long term disability claim for burnout means gathering the right evidence. Here’s what you’ll need:

Medical Records & Diagnosis

A formal diagnosis from your doctor or a mental health professional is essential. Your medical records should include:

• Detailed notes about your symptoms

• Treatment plans (medication, therapy, etc.)

• Progress reports and referrals to specialists

Tip: Keep copies of all medical documents and appointment summaries. For more on documentation, visit Presenting Evidence in Your LTD Claim.

Psychological Assessments

A psychological assessment can provide deeper insight into how burnout is affecting your mental health. These assessments might include:

• Standardized questionnaires

• Cognitive or emotional functioning tests

• Reports from psychologists or psychiatrists

Workplace Documentation

Your workplace can be a key source of evidence. Collect:

• Performance reviews showing a change in your work

• Written communication about your symptoms or requests for accommodation

• Records of absences or modified duties

Functional Capacity Evaluations

A functional capacity evaluation (FCE) measures your ability to perform work tasks. This assessment, often done by an occupational therapist, can show how burnout symptoms limit your daily functioning. Learn more in What to expect in a functional capacity evaluation.

Why Burnout Claims Are Often Denied

Even with strong evidence, burnout claims are sometimes denied. Here’s why:

• Insurers argue that burnout is temporary or not severe enough

• Lack of a clear diagnosis or insufficient medical documentation

• Gaps in treatment or not following recommended support plans

• Insufficient proof that your symptoms prevent you from working

If your long term disability claim is denied, don’t give up. Many denials can be appealed or overturned with the right legal support. If this has happened to you, contact Share Lawyers today for a free consultation.

How a Disability Lawyer Can Help

If your burnout claim is denied, or you’re struggling to gather the right evidence, an experienced disability lawyer can make all the difference. Here’s how they can help:

• Review your policy and explain what qualifies as a disability

• Help collect and organize medical and workplace documentation

• Guide you through the legal processes

• Advocate for your rights with the insurance company

• Provide ongoing support and reassurance during a stressful time

For more, visit How Share Lawyers Can Help with Your Denied LTD Claim.

Checklist: Building a Strong Burnout Disability Claim

Frequently Asked Questions

Can I claim long term disability for burnout if I don’t have a formal diagnosis?
A formal diagnosis greatly increases your chances of approval.

What if my insurance company says burnout isn’t a real disability?
Burnout is recognized by health professionals as a legitimate condition. If your claim is denied, a disability lawyer can fight thу insurance company and get what you are entitled to.

How long do I have to file a burnout claim?
Deadlines vary by policy, but it’s best to file as soon as possible. If you miss a deadline, contact a Share Lawyers immediately for help.

Summary: Burnout & Long Term Disability Claims

Burnout is a real and serious condition that can qualify as a disability under employer-based or private long term disability plans. If you’re experiencing burnout symptoms that prevent you from working, you have the right to make a claim and seek the support you need.

The key is gathering strong evidence, following your treatment plan, and getting legal help if your claim is denied.

If you or someone you know is struggling with burnout symptoms and can’t work, remember: you are not alone. With the right evidence and support, you can make a successful long term disability claim and focus on getting better.