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Restigouche County Long-Term Disability Lawyers

Find out if you have a case today.

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

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Published: July 19, 2021 | Last Reviewed: August 7, 2026

Chronic illnesses, debilitating injuries, and severe mental health disorders often make it impossible for Restigouche County residents to continue performing the duties of their jobs. Upon developing severe, disabling medical conditions, people who can no longer work as a result may struggle keeping up with their basic costs of living in addition to necessary medical expenses. In these difficult scenarios, injured or ill individuals may face serious financial challenges.

Many injured or ill individuals with appropriate insurance coverage come to rely on disability benefits when their medical conditions make it impossible for them to continue working. Disability benefits may be available through their employer’s group insurance plan. Additionally, self-employed privately-insured Restigouche County residents may have access to disability benefits through their own insurance policies.

Disability benefits do not provide injured or ill employees with full salary replacement payments. Instead, eligible benefits claimants typically receive between 60-70% of their normal wages. In many situations, severely injured or ill policyholders come to rely on their monthly disability payments to keep themselves and their families financially solvent.

Eligible policyholders submitting claims for disability benefits are often required to include supplementary medical evidence along with their applications, proving that they have been receiving ongoing treatment for their condition and illustrating the impact their diagnosis has on their ability to complete the tasks of their occupation. In your application for long-term disability benefits, you may be required to provide medical evidence proving that you have a disabling condition, and that you’ve been receiving ongoing treatment for it. Evidence you may be required to submit along with your application may include:

  • Medical records
  • Results of medical examinations
  • Statements from your attending physicians
  • A detailed description of your job duties
  • A statement from your plan sponsor (i.e. your employer)
  • Other documentation proving that your medical condition prevents you from performing the duties of your job.

Unfortunately, insurance companies often unfairly scrutinize claims for disability benefits. Even if you include thorough, extensive medical evidence in your application for benefits, for a number of reasons, your insurance provider may determine that you are not eligible to receive these monthly payments.

For those who are unable to continue working because of their life-altering medical conditions, receiving a denied claim for disability benefits can cause a great deal of fear and anxiety. Injured or ill workers whose claims have been denied may worry about making ends meet, paying their bills, affording necessary costs of medical care, and keeping their families financially stable. While denied policyholders may be entitled to appeal their insurance provider’s unfair determination, picking a fight with a large insurance company can seem like an impossible feat.

That said, with assistance from our disability lawyers serving Restigouche County, policyholders whose claims for disability benefits were unfairly denied may be able to overturn their insurance company’s initial determination. Our Restigouche County disability lawyers have a proven track record of helping wronged community members recover the benefits to which they are entitled.

If you were denied the disability benefits you are rightfully owed, book a free initial consultation with our disability lawyers serving Restigouche County to learn about options that may be available to you.

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

Our Restigouche County disability lawyers appreciate how demoralizing and worrisome it can be to receive a denied claim for disability benefits. In order to remove financial barriers to accessing our services, Preszler Injury Lawyers offer a free initial consultation to all prospective clients. Additionally, our disability lawyers serving Restigouche County work on a contingency-fee basis. That means, if you are eligible to take legal action against your insurance provider, you will not pay for our services unless we win your case.

To learn if you may be eligible to overturn your insurance provider’s unfair determination, schedule your free initial consultation with our Restigouche County disability lawyers today.

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 Restigouche County?

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