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Antigonish Long-Term Disability Lawyers

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

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Published: October 21, 2021 | Last Reviewed: August 7, 2026

People who sustain severe physical injuries, develop chronic illnesses, or acquire disabling mental health conditions may find it impossible to continue completing the duties associated with their jobs. In these situations, provided they have the appropriate level of insurance coverage, people who have been diagnosed with a debilitating medical condition may be able to access a certain degree of financial relief through their insurance provider by applying for disability benefits.

Disability benefits usually provide recipients with between 60-70% of their regular earnings in monthly installments. For those who can no longer earn a normal living because of a disabling medical condition, disability benefits may be the only source of income available to them. As such, people in great need rely on this crucial insurance coverage to help them weather an extremely challenging financial storm. Disability benefits provide much-needed financial assistance to workers who, for reasons beyond their control, can no longer work to support themselves or their families.

Disabled workers may have access to disability benefits through their employer’s group insurance plan. They may also pay for their own private insurance policy which may include provisions for disability benefits. All insurance policies differ; even those that offer disability benefits may have varying eligibility requirements. Before applying for disability benefits, it might be prudent to review the terms and conditions of your insurance plan to make sure your medical condition qualifies you to receive them.

In order to apply for disability benefits, you may be required to submit supplementary material and medical evidence proving that:

  • You have received a diagnosis for a disabling medical condition.
  • You have been receiving ongoing medical treatment for this condition.
  • The symptoms of this medical condition prevent you from completing the tasks associated with your job.

The medical evidence you include with your application for disability benefits should illustrate the severity of your condition and the effect it has on your ability to carry out the duties of your job. However, even if you supply thorough evidence proving that your medical condition makes it impossible for you to continue working, your insurance provider may find a reason to deny your claim for benefits.

Our disability lawyers serving Antigonish have experience fighting back against the unfair tactics often used by insurance companies to withhold disability benefits from deserving policyholders. By working with our Antigonish disability lawyers, you may be able to recover compensation for previously denied benefits, as well as compensation for additional damages you might have incurred because of your claim’s initial denial.

To review the circumstances of your case with Preszler Injury Lawyers and learn about options for financial recovery that may be available to you, schedule a free initial consultation with our disability lawyers serving Antigonish.

Free Consultation for Antigonish Residents – We Don’t Get Paid Unless We Win

During a cost-free, no-obligation initial consultation with our Antigonish disability lawyers, you will have the chance to discuss your situation and receive personalized legal advice specific to your case. If you are eligible to pursue legal action to recover the payments that have been unfairly withheld from you, our disability lawyers serving Antigonish may be able to help you recover the compensation you deserve.

Learn more about how Preszler Injury Lawyers may be able to help with your case by taking advantage of your free initial consultation with our Antigonish disability lawyers.

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 in Antigonish?

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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.

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