Disability Legal Opinion

How Seasonal Affective Disorder (SAD) and COVID-19 Pandemic Could Lead to a Short Term Disability (STD) or Long Term Disability (LTD) Claim

Every year, people across the country are affected by SAD. Since March 2020, Canadians have also had to cope with the additional stress of the COVID-19 pandemic. Mental health has an incredible impact on one’s ability to work and could cause an employee to make a STD claim or LTD claim.

SAD is a type of depression related to seasonal changes which typically occurs in the fall and winter months when the days are shorter and there is less daylight.
How does COVID-19 impact SAD?
Considering the combination of the lack of light during this time of year, and the COVID-19 pandemic still raging around the globe, there are concerns that there will be a culmination of mental health issues. Canadians are inside more this year due to all the restrictions and are less likely to wake up on time in the morning, factors which may increase SAD. Many people have also lost the structure and routine in their daily lives, which can increase depressive symptoms. A recent study from CAMH found significantly higher rates of anxiety in women and individuals with children as a result of the pandemic.

Mental health professionals are concerned about how hard seasonal depression could hit during the COVID-19 pandemic.  We may see an increase in more severe symptoms for those that suffer from SAD and an increase in people experiencing SAD for the first time.
Has Your Disability Claim Been Denied?
SAD and poor mental health in general has the potential to become yet another challenge for employers and employees during the COVID-19 pandemic. Mental health issues can impact your ability to work, including energy levels, and your ability to sleep and concentrate. As with other types of psychological illnesses, employees with SAD and are unable to work may apply for STD or LTD benefits. This assumes you have those benefits available to you.

Your STD or LTD claim could be denied at any point in the application process. Although some people appeal a denial, these appeals are often rejected. Beginning a legal claim is the better alternative as it creates more pressure on the insurance company. It is very important to seek experienced legal advice if your STD or LTD claim has been denied.

Please contact Tony Lafazanis, Cabbagetown Disability Claim Lawyer at your earliest convenience for a free initial consultation.

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