Post-COVID Disability Claims
Long-Term Disability for Long COVID in Ontario
Long COVID is real, debilitating, and increasingly common. But insurers are still catching up, and many deny these claims outright.
Common Denial Tactics
Why insurers deny Long COVID claims
"Insufficient objective evidence" (many Long COVID symptoms are subjective)
"Your COVID infection was mild" (severity of initial infection doesn't predict Long COVID)
"No established diagnostic criteria" (used as excuse to deny)
Cognitive symptoms dismissed as anxiety or depression
Fatigue characterized as deconditioning rather than illness
The Emerging Condition Challenge
Long COVID presents unique challenges for disability claims because:
- Medical understanding is still evolving
- Symptoms vary widely between patients
- Standard tests may come back normal despite severe symptoms
- Insurers exploit the lack of established diagnostic protocols
Our Approach
How we prove Long COVID disability
Detailed symptom timelines linking onset to COVID infection
Specialized testing (tilt table, autonomic function, neurocognitive)
Expert medical opinions from Long COVID specialists
Activity logs documenting post-exertional malaise
Heart rate and activity data from wearable devices
Cognitive assessments showing brain fog and processing deficits
Occupational therapy assessments of functional limitations
Protect Your Claim
What insurers look for
What to Avoid
- Minimizing symptoms when speaking with your insurer
- Gaps between medical appointments
- Pushing through symptoms and appearing functional
- Social media posts showing physical activities
What to Do
- See Long COVID specialists and clinics
- Track all symptoms daily with detailed logs
- Document post-exertional malaise patterns
- Keep all medical appointments consistent
Common Questions
Your questions, answered
Denied for Long COVID? Let's talk.
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