Do I Qualify for Long Term Disability Benefits

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Understandably, it can be frustrating to deal with the lasting impact that illness or injury has on your ability to work. Thankfully, long term disability benefits provide Canadians with supplemental income during extended non-work periods.

If you’re wondering, "Do I qualify for long-term disability benefits?" our handy guide will help you understand when to file a claim.

Are you asking yourself, “Do I qualify for LTD benefits?” Share Lawyers’ experienced team of disability lawyers can help you understand your situation.

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Do I Qualify for Long Term Disability Benefits?

Some may assume that disabilities that affect your ability to work are mobility related. While this accurately describes some who qualify for long-term disability benefits, it represents only a tiny percentage. The truth is that most disability insurance policies offer benefits for any condition that prevents you from doing your job, mental or physical.

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Simply put, if your medical condition prevents you from working, you should qualify for LTD benefits.

It’s possible that nearly any medical condition could be eligible for long term disability benefits if it prevents you from working. To get a better idea, here is a list of common illnesses or injuries that qualify for long term disability.

  • Musculoskeletal Disorders
  • Cardiovascular Diseases
  • Chronic Illnesses
      • Diabetes
      • Chronic Obstructive Pulmonary Disease
      • Kidney Disease
      • Long COVID
  • Neurological Disorders
  • Autoimmune Diseases
      • Lupus
      • Inflammatory Bowel Disease
      • Crohn’s Disease
      • Ulcerative Colitis
  • Injuries

Criteria To Qualify for Long Term Disability Benefits

Medical Condition

A healthcare professional needs to document your condition, including diagnosis, treatment plans, and how it affects your ability to work.

Duration of Disability

To qualify for LTD benefits, your condition must be expected to last for a significant period, typically at least a year. There is a notable difference between a long term disability and a permanent disability.

Inability to Work

You have to demonstrate that your medical condition prevents you from performing the essential duties of your occupation. Such limitations can include physical limitations, mental health issues, or a combination of both.

Insurance Policy Requirements

Ensure you have reviewed your disability insurance policy and understand its specific criteria. Policies may have vastly different definitions and requirements for what constitutes a qualifying disability.

What to Do If Your Claim is Denied


Even if your disability qualifies for long-term disability benefits, your initial claim might still be denied. Initial denials often happen because insurance companies aim to minimize costs.

If you find yourself in this situation, seek help from an experienced disability law firm like Share Lawyers. It can make a significant difference.

While you can appeal on your own, we can strengthen your case by preparing all necessary information and documentation. By handling the complex aspects of your case, we ease your burden and significantly improve your chances of overturning a denial and securing the benefits you need.


Share Lawyers Fights for The Benefits You Deserve


Regardless of where you are in the claims process, whether it’s filing a claim or getting ready to appeal a denial, Share Lawyers can help. We recognize that being unable to work is a significant stressor, and we understand the importance of your LTD benefits.

That's why we're committed to helping our clients secure the benefits they deserve. With over 35 years of experience in disability law, we've helped thousands of Canadians obtain benefits, even after denials. Most cases are settled without going to court, and we work on a contingency-fee basis, meaning we don't get paid until you do, reflecting our confidence in winning your case.

It all starts with a completely free consultation.

Still wondering, “Do I qualify for long term disability benefits?” A quick conversation with one of our lawyers will help you understand your situation and provide a path forward.

Contact Share Lawyers today and let our 35+ years of experience work for you. We can help you win your case againstCanada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. Our legal team offers a free consultation and works on a contingency basis. There are no fees unless you win your case.

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