Preszler Injury Lawyers Logo
Preszler Injury Lawyers

Campbellton Long-Term Disability Lawyers

Find out if you have a case today.

Contact our Campbellton 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

Table of Contents

Published: October 6, 2021 | Last Reviewed: August 7, 2026

People who have sustained severe injuries, developed chronic physical illnesses, or acquired debilitating mental health conditions may find it impossible to continue performing the tasks associated with their jobs as a direct result of their newly acquired medical conditions. If disabled workers have the appropriate level of insurance coverage, they may be entitled to monthly income replacement payments in the form of disability benefits.

Although disability benefits do not fully replace recipients’ full salaries, they typically cover between 60-70% of a policyholder’s normal wages. For people who can no longer work and, therefore, no longer earn their regular incomes, disability benefits payments can help them maintain some degree of financial security.

Disability benefits may be available through an employer’s group insurance plan, or through a privately held insurance policy. Although eligibility requirements differ between policies, some medical conditions that may entitle an insurance policyholder to access disability benefits often include:

  • Heart disease
  • Back problems
  • Chronic pain or complex regional pain syndrome (CRPS)
  • Lupus or Lyme disease
  • Psoriatic arthritis or fibromyalgia
  • Paralysis
  • Depression
  • Bipolar mood disorder
  • Post-traumatic stress disorder (PTSD)
  • And possibly more

In order to apply for disability benefits, eligible applicants are often required to submit substantiating evidence proving the severity of their medical conditions and illustrating the effects it has on their ability to perform their jobs. Types of evidence a claimant may be required to submit 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

However, even after including thorough supplementary evidence, policyholders’ claims for disability benefits could be denied by their insurance providers. When this happens, seriously injured or ill workers often develop legitimate anxieties over their abilities to continue supporting themselves and their loved ones.

Applicants whose claims for disability benefits have been turned down should be entitled to appeal their insurance company’s unfair decision. However, without assistance, standing up to a large insurance company can seem like an overwhelming, complicated, and futile task.

By working with our disability lawyers serving Campbellton, eligible policyholders may be able to overturn their insurance provider’s unfair determination. If your benefits claim was denied even though your medical condition prevents you from continuing to work, our Campbellton disability lawyers may be able to help you recover the benefits payments you are rightfully owed.

To learn more about how our disability lawyers serving Campbellton may be able to help with your case, call Preszler Injury Lawyers today and receive a free initial consultation.

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

In order to remove financial barriers to accessing our important legal services, our Campbellton disability lawyers offer a free, no-obligation initial consultation to all prospective clients. During this cost-free first meeting with our disability lawyers serving Campbellton, prospective clients will have the opportunity to review the details of their case and learn about possible courses of action that might be available to them.

In addition to offering a free initial consultation, Preszler Injury Lawyers work on a contingency-fee basis. That means, if you are eligible to pursue legal action against your insurer, you will not be required to pay for our legal services unless we win your case.

To begin the conversation with our Campbellton disability lawyers, take advantage of your free initial consultation with Preszler Injury 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 Campbellton?

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