What Conditions Qualify for Disability in BC?

If you live in British Columbia and can’t work due to an illness or injury, you may be entitled to short-term disability (STD) or long-term disability (LTD) benefits through your workplace or a private insurance policy.

So, what conditions qualify for disability in BC? The answer isn’t about having a specific illness on a list — it’s about how your medical condition impacts your ability to do your job.

Qualifying for Disability in BC: The Key Factor

Insurance companies approve STD and LTD claims when you can prove:

• You have a diagnosed medical condition, and
• It prevents you from performing the essential duties of your occupation

For LTD, this “own occupation” test usually applies for the first two years of benefits. After that, the definition changes to “any occupation,” meaning you must show you can’t work in any job you’re reasonably suited for based on your education, training, and experience.

Common Conditions That May Qualify for Disability in BC

Because the focus is on functional impact rather than the diagnosis itself, a wide range of physical and mental health conditions may qualify — if backed by strong medical evidence.

Musculoskeletal & Pain Disorders

• Arthritis (rheumatoid, osteoarthritis)
• Fibromyalgia
• Degenerative disc disease
• Chronic pain syndrome

Mental Health Conditions

• Anxiety disorders
• Depression
• PTSD
• Bipolar disorder

Neurological Disorders

• Multiple sclerosis (MS)
• Epilepsy
• Concussions and post-concussion syndrome
• Migraines

Cardiovascular & Respiratory Illnesses

• Heart disease
• COPD
• Asthma (severe)

Autoimmune & Systemic Disease

• Lupus
• Crohn’s disease and ulcerative colitis

Short-Term vs. Long-Term Disability in BC

• Short-term disability benefits in BC cover temporary illnesses or injuries (e.g., post-surgical recovery, acute mental health crises, fractures). Duration: weeks to months.
• Long-term disability benefits in BC cover conditions expected to last more than 90 days and may pay until age 65 if you remain unable to work. Duration: years or until retirement age.

How to Qualify for Disability in BC

When applying for STD or LTD benefits, you’ll need to:

• Get a clear diagnosis from your doctor or specialist
• Provide detailed medical evidence (doctor’s reports, test results, treatment records)
• Show functional limitations — exactly how your symptoms stop you from performing your job duties
• Follow recommended treatment plans to demonstrate you’re trying to recover

Tip: Keep a symptom journal and get your healthcare provider to document work-related limitations in detail. This can make a major difference in your insurer’s decision.

Why Disability Claims Are Denied in BC

Even legitimate claims get denied. Common reasons include:

• Insufficient or vague medical evidence
• Insurance company disputes over whether you meet the policy’s definition of “disabled”
• Claims that you can work in a different job
• Missed deadlines or incomplete forms

If you receive a denial, don’t rely solely on your insurer’s internal appeal process. In many cases, an appeal just confirms the original decision. A disability lawyer can help you enforce your rights and get the benefits you’re owed.

Key Takeaways

• There’s no strict “approved list” — any condition may qualify if it stops you from working and meets your policy’s definition of disability.
• Strong, specific medical documentation is essential.
• If your claim is denied, seek legal advice immediately to avoid delays that could affect your case.

Why Choose Samfiru Tumarkin LLP?

We’re not just any disability law firm. Samfiru Tumarkin LLP has a national reputation for client advocacy and proven results. We take the time to understand your situation and build the strongest possible claim.

• 💰 No Win, No Fee — you don’t pay unless we succeed
• 👥 Personalized legal support throughout your case
• 📍 Deep local experience in BC courts, tribunals, and negotiations
• ⭐ Thousands of 5-star reviews from injury, disability, and employment law clients
• 🗺️ Serving clients across BC in-person and virtually, wherever you’re located

Free Consultation with a Disability Lawyer Today

Wondering if your condition qualifies for short or long term disability benefits? Your insurer’s decision isn’t the final word. Get clear answers and legal advice from a BC disability lawyer who’s on your side.

Call us at 1-855-821-5900 or request a callback through our online form.