Disability Claims Guide

We understand that every situation and individual is unique.

It can be difficult when you’re no longer able to do everything you did before your accident or illness. We are commited to working with you and to give you the tools and support you need to recover and live a healthier life.

This guide is designed to help you through your Long-Term and Short-Term Disability claim submission process and to help answer any questions. Every situation is unique, so we treat each absence individually with a dedicated case manager who will review your file. We are also here to help, so please don’t hesitate to reach out if you have any questions at (604) 419-8040 or toll-free: 1 877 722-2583.

Here are the steps you need to follow to apply for disability benefits



Complete and prepare employee, employer, and medical forms.

To apply for Short-Term Disability (STD) or Long-Term Disability (LTD) benefits, you and your employer will need to complete and send us all forms to prepare for assessment.

You can submit your forms electronically through the links above or you can print them out and return them through the options below.

Email: W&Wforms@pac.bluecross.ca
Address: PO Box 7000, Vancouver,
 BC V6B 4E1

We may not be able to process until we receive all your forms. Please don’t hesitate to reach out if you need help.


It may take up to 5 - 7 days to make a decision once we have all required information.



How much will I receive?

Payment periods depend on the arrangements made with your plan administrator. The amount payable also depends on your policy. Please consult your benefits booklet or ask your employer for more information.

When will I receive payment?

Payment will be issued after the waiting period has ended. Generally:

  • Short-term disability amount owing will be paid weekly or bi-weekly
  • Long-term disability amount owing is usually paid monthly in arrears

Developing a plan

Finding you the right support

We will work with you, your physician and your employer to guide you through your disability. Whether that's rehab, a return to work plan or financial aid - we will ensure you get the right support, specific to your needs.

Responsibility breakdown

Employee’s Responsibilities

  • Provide us with complete information, including completed claim forms with supporting medical documentation throughout
    your claim
  • Actively participate in evaluations and telephone interviews with your case
  • Let your supervisor or manager know how you
    are doing and provide updates on your progress
  • Help to develop a return to work plan

Pacific Blue Cross’ Responsibilities

  • Communicate openly and completely with you Conduct prompt and fair assessments 
  • Determine your ability to function in a workplace 
  • Work with you and your treatment provider to develop healthcare and return to work plans 
  • Partner with you, your physician and employer to ensure a safe return to work

Employer’s Responsibilities

  • Provide accurate information to Pacific Blue Cross including insurance details and job information
  • Keep open and continuous communication with you while you are away from work
  • Be actively involved in helping you return to work