Add Comment Question: Do severe concussions qualify for LTD? My sister has been denied but her medical team say I am not able to work. She has been off work now since Jan 3 2022. She is a teacher. OTIP is denying her. Her union did not make access to services available. She’s been invited to appeal. All medical appointments and details of appointments at the local brain injury clinic are available. I think she should seek legal advice. She has been paying all PT and OT expenses out of pocket. Answer: Absolutely it does qualify her for LTD if she can’t work. Please reach out to us at our contact info below and we can discuss the situation with you and the family and explain what needs to be done. Time is of the essence. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.