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
- 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 fatigue syndrome
- Complex regional pain syndrome
Other Chronic Conditions
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.
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