Common medical conditions for long-term disability (LTD) benefits

What are long-term disability benefits?

Long-term disability (LTD) benefits in Canada are designed to provide financial support to individuals who are unable to work for an extended period due to a medical condition or disability. These benefits are typically part of an employee’s benefits package or can be obtained through private insurance policies.

The primary aim of LTD benefits is to help cover lost income when a severe health issue prevents an individual from continuing their employment.

What medical conditions are eligible for LTD benefits in Canada?

LTD benefits cover a wide range of medical conditions that can impede a person’s ability to work. Generally, eligibility is not defined by the condition itself, but rather by how the condition affects your capacity to perform your job over the long term. Below is a list of common medical conditions that often qualify individuals for LTD benefits in Canada:

Mental Health Disorders

• Attention Deficit Hyperactivity Disorder (ADHD)
• Anxiety disorders
• Depression
• Mood disorder
• Bipolar disorder
• Schizophrenia

Neurological Disorders

• Multiple sclerosis (MS)
• Parkinson’s disease
• Alzheimer’s disease
• Stroke

Musculoskeletal Disorders

• Chronic back pain
• Arthritis
• Fibromyalgia

Cardiovascular Conditions

• Heart failure
• Coronary artery disease
• Chronic heart conditions

Chronic Pain Disorders

• Chronic pain
• Chronic fatigue syndrome
• Complex regional pain syndrome

Other Chronic Conditions

• Diabetes
• Chronic respiratory diseases
• Cancer

LTD claim denied?

If you insurance company rejected your legitimate disability claim for anxiety, contact a knowledgeable disability lawyer at Samfiru Tumarkin LLP for a free consultation.

Our compassionate team is here to listen, support you, and protect your rights — ensuring the best possible outcome for you.

Some of our lawyers once worked for insurers. We know how they think, why they deny certain disability claims, and how to obtain the compensation that you are legally entitled to.

We are nationally recognized leaders in insurance and disability law — informing Canadians of their rights through a variety of channels, including:

• The Disability Law Show on TV and radio.
• Insightful livestreams.
• Countless media interviews.
• Comprehensive online resources (i.e. FAQs on long-term disability).
• Constant advocacy, for individuals like Sandra Bullock and Julie Austin.

Don’t walk away from your rights. That is what your insurance company wants you to do.

Contact Canada’s most positively-reviewed disability law firm today at 1-855-821-5900, email your questions to help@disabilityrights.ca, or submit an online form.