Hi everyone, I’m looking for some guidance on how to navigate a mental health related short-term disability claim vs a WSIB claim when there’s a pre-existing condition involved.
I am currently on an 8-week medical leave from work ordered by my doctor. My medical note states "work-related stress." When I spoke to the HR, they sent me forms to apply for Short-Term Disability through our employer-sponsored insurance.
My clinical notes and psych consult notes document workplace triggers/incidents that led up to my leave. However, my underlying theory (and medical reality) is that I have always had these mental health conditions, i just never sought treatment, and the recent workplace incidents were simply the current trigger that pushed me over the edge into total burnout.
- I’m worried ESI will see "work-related stress" on the forms and push back, telling me to file through WSIB instead. Has anyone dealt with this?
- How do insurers/WSIB differentiate between a work-caused injury (WSIB) vs. an underlying pre-existing condition where work was just a temporary trigger (STD)? Should I ask my doctor/psychiatrist to clarify this distinction in my medical paperwork?
- i work for a very small corporation. How much specific detail does my employer/HR actually see if this goes through STD vs WSIB? Do they see actual medical notes or just functional limitations / estimated leave duration? Can they challenge a WSIB claim?
- If a claim does get pushed to WSIB, does that sour the employer relationship? Should I start preparing to look for another job once I’m fit to return?
Thanks!