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Preszler Injury Lawyers

Long-Term Disability Lawyers

Find out if you have a case today.

Contact our long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.

Book Free Consult1-833-405-8282

Published: November 21, 2020 | Last Reviewed: August 7, 2026

If your disability benefits have been denied – Preszler Law Injury Lawyers can help. We recommend you ask the insurance company for their denial position in writing and get in touch with a disability lawyer at your earliest opportunity. In most cases, you may be eligible for a right of appeal and these grounds are generally defined in the insurance policy. While you may have the right to appeal, it is best to speak directly with a disability lawyer first because the appeal process often only prolongs the predicament.

In Nova Scotia, most LTD policies stipulate that you will be paid for up to 2 years if you are totally disabled from completing the essential tasks of your employment. After two years, the definition changes to being totally disabled from doing any occupation for which you are suited by way of education and experience. However, you are not obligated to go back to work even if your LTD provider is telling you that you are required to return to work.

At Preszler Law Injury Lawyers in Halifax, Nova Scotia – we have helped thousands of individuals across Canada with their disability claims. We have experience handling cases against all the disability insurance companies in Nova Scotia including but not limited to:

  • Manulife
  • Great West Life
  • Blue Cross
  • Sunlife Assurance Company
  • Desjardins Insurance
  • Industrial Alliance
  • And more..

Hiring a disability lawyer is beneficial especially when filing an appeal with your insurance company.  At the very least, having a disability lawyer on your side can help ensure that you are not taken advantage of or that you make mistakes. A disability lawyer can help you avoid making mistakes, ensure that you prepare the relevant forms and documentation to help advance your appeal, assist with the judicial process involved in disability cases and most importantly – help you negotiate a lump-sum settlement.

If you or your loved one have been denied of their disability benefits – contact a disability lawyer with Preszler Injury Lawyers today.

Contact our office for a FREE initial consultation. And remember – you don’t pay unless we WIN!

Authored by Preszler Injury Lawyers

Personal Injury Law Firm

Preszler Injury Lawyers represents injured people across Ontario in personal injury matters, including motor vehicle accident claims, slip and fall claims, long-term disability claims, and institutional abuse claims.

Proudly Canadian

Award Winning Personal Injury Law Firm

We are proud to be one of Canada’s oldest and long-standing personal injury law firms. Since 1959, we have been providing exceptional legal services and have established ourselves as leading personal injury lawyers in the Canadian legal community. It’s not just the awards that recognize our achievements, but also the wins we’ve achieved for thousands of Canadians with their long-term disability claims.

Case Results

long-term disability Settlements

Please note that past results are not indicative of future results as each scenario presents itself with its unique set of circumstances. But here are some long-term disability related wins we’ve had for our clients.

Settlement

Long-Term Disability

$2,200,000

Our client was denied LTD payments after struggling with mental health problems. We settled for more than $500,000 over the policy value due to the insurance company’s bad conduct.

Settlement

Long-Term Disability

$995,000

The individual was a trader who had a nervous breakdown during the 2008 financial crisis. His insurer initially denied his LTD claim but we were able to challenge that successfully.

Settlement

Long-Term Disability

$750,000

Client unable to work relating to health issues.

long-term disability FAQs

Here are some commonly asked questions for long-term disability claims

Review the denial letter and your disability policy, note every appeal and legal deadline, and request a complete copy of the insurer’s claim file. Continue receiving appropriate medical care and speak with a long-term disability lawyer before submitting an appeal. The reasons given for the denial will help determine what medical or vocational evidence may be needed.

Yes. Long-term disability claims may involve depression, anxiety, chronic pain, fibromyalgia, post-traumatic stress disorder, or other conditions that are not visible. Approval depends on whether reliable medical and functional evidence shows that your symptoms prevent you from performing the work required under your policy’s definition of disability.

An internal appeal may be appropriate, but it is not always the only—or best—option. Appeals can consume valuable time while a legal limitation period continues to run. Before appealing, a lawyer can review the policy, denial reasons, medical evidence, and deadlines and advise you on the available approaches.

The deadline may come from the insurance policy, Nova Scotia legislation, or both, and in some cases it may be as short as one year. The starting date can also depend on when benefits were clearly denied or terminated. Do not assume that an internal appeal pauses the limitation period; obtain legal advice promptly after receiving a denial.

The cost of hiring a long-term disability lawyer can depend on the claim and the fee arrangement offered. Preszler Injury Lawyers can review your situation during a free initial consultation and explain the available payment options, possible expenses, and when legal fees would become payable before you decide whether to proceed.

A long-term disability lawyer can review your policy and denial letter, identify applicable deadlines, gather medical and vocational evidence, and challenge the insurer’s reasons for refusing or terminating benefits. Your lawyer can also advise whether to pursue an internal appeal or legal action and negotiate with the insurer on your behalf.

Read More FAQs

Denied Long-Term Disability Benefits?

Book a FREE Consultation Now

Our experienced lawyers are available to help at any time.

Learn how we can challenge your insurer’s denial and pursue the benefits you deserve.

1-833-405-8282