Bridgewater Long-Term Disability Lawyers
Find out if you have a case today.
Contact our Bridgewater long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Published: September 24, 2021 | Last Reviewed: August 7, 2026
Have you recently been diagnosed with a medical condition that prevents you from completing the tasks associated with your job? If you have the appropriate level of insurance coverage, you may be entitled to disability benefits.
Disability benefits are designed to provide crucial financial support in the form of monthly income replacement payments to people who can no longer work because of a physical injury, chronic illness, or severe mental health issue. Your employer’s group insurance plan may include disability benefits coverage, or you may have access to them through a privately held insurance policy that you pay for independently.
While disability benefits will likely not replace your entire regular salary, they can still provide a sense of financial security during a challenging period of your life. Generally, disability benefits provide recipients with between 60-70% of their normal wages at monthly intervals.
These benefits payments can provide much-needed financial support to people who, through no fault of their own, can no longer complete the duties of their job and, therefore, cannot continue to earn a living. Faced with high costs of medical care in addition to regular costs of living, disability benefits can truly make a difference in helping eligible insurance policyholders stay afloat financially during an extraordinarily challenging experience.
In order to apply for disability benefits, you may be required to submit supplementary 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.
By compiling thorough medical evidence, you may be able to substantiate your claim and illustrate how the medical conditions you have acquired make it impossible for you to continue working in your current occupation. Unfortunately, even after supplying sufficient proof of your condition’s severity and its impact on your ability to perform your job, your claim for disability benefits could be denied by your insurance provider.
In fact, across the country, most claims for disability benefits submitted to insurance companies each year are denied. Insurance providers may choose to withhold benefits payments for a number of reasons, many of which may be confusing and frustrating for people who legitimately require the coverage to which they should be entitled.
If your claim for disability benefits was denied, you should have been given the opportunity to appeal your insurance company’s determination. However, without assistance, doing so can seem like an overwhelmingly difficult process, especially when coping with the symptoms of a disabling medical condition.
That is why, if your claim for disability benefits was denied by your insurer, booking a free initial consultation with our disability lawyers serving Bridgewater could be extremely beneficial. Our Bridgewater disability lawyers have a history of standing up to the unfair tactics often used by insurance companies to withhold funding from policyholders who should be entitled to benefits payments. By speaking with our disability lawyers serving Bridgewater during a free initial consultation, you may be able to learn about courses of action that may be available to you in order to recover the benefits you deserve.
Free Consultation for Bridgewater Residents – We Don’t Get Paid Unless We Win
Insurance policyholders pay monthly premiums to their insurance provider so that, in the event of an unexpected injury or illness, they will have access to the funding they need. When insurance providers unfairly decide to withhold payments from eligible policyholders, the real-world repercussions for denied claimants can be financially disastrous.
To learn how Preszler Injury Lawyers may be able to provide you with assistance, call our Bridgewater disability lawyers today and receive a free initial consultation about options that may be available to you.
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.
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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.
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long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
What should I do if my long-term disability claim is denied?
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.
Can I qualify for LTD benefits if my condition cannot be seen?
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.
Should I appeal the denial directly to the insurance company?
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.
How long do I have to challenge an LTD denial in Nova Scotia?
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.
How much does it cost to hire a long-term disability lawyer?
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.
How can a long-term disability lawyer help with my claim?
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.
Denied Long-Term Disability Benefits in Bridgewater?
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