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Chéticamp Long-Term Disability Lawyers

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

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Published: November 2, 2021 | Last Reviewed: August 7, 2026

No one plans to be severely injured or develop a serious physical or mental illness. When the unthinkable happens, injured or ill individuals often experience a myriad of difficult questions, including how they will be able to continue earning a living.

With the appropriate level of insurance coverage, however, these individuals may be able to access disability benefits. Generally providing between 60-70% of a worker’s usual wages in monthly installments, disability benefits are often the only sources of income available to chronically ill or severely injured workers who can no longer perform the duties of their jobs because of the medical conditions they have sustained. Oftentimes, disability benefits are available to workers through their employer’s group insurance plan, or as part of a private insurance policy paid for independently.

Eligibility requirements for disability benefits vary between insurance policies, however some medical conditions that might entitle an insurance policyholder to receive disability benefits 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

Unfortunately, many people with legitimate medical complaints that make it impossible for them to continue doing their jobs are not able to access the disability benefits they are rightfully owed. Insurance providers often deny applicants’ claims for disability benefits, and may do so for a number of different reasons. When this happens, insurance providers withhold much-needed funds from deserving policyholders who are most likely struggling to make ends meet.

Receiving a denied claim for disability benefits can be worse than demoralizing. Without access to these income replacement payments, workers may struggle to support themselves and their families. Unable to afford even their regular monthly expenses, let alone their newly acquired injury-related costs, denied benefits claimants may find themselves in financial despair. And although denied disability benefits applicants should be able to appeal their insurance provider’s decision to withhold their payments, standing up to a large insurance company while suffering the debilitating symptoms of a disabling medical condition can seem like an impossible task, especially without assistance.

That is why, if your medical condition makes it impossible for you to carry out the tasks of your job and your benefits claim was denied by your insurance provider, a consultation with our disability lawyers serving Chéticamp could be beneficial to you. Our Chéticamp disability lawyers have a history of standing up to the unfair tactics often used by insurance companies to deny policyholders the funds they are duly owed. By working with our disability lawyers serving Chéticamp, you may be able to overturn your insurance provider’s decision and recover the compensation you deserve.

To learn more about how Preszler Injury Lawyers may be able to help you recover the disability benefits you deserve, call today to schedule your free initial consultation with our Chéticamp disability lawyers.

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

Preszler Injury Lawyers are committed to helping wrongfully denied insurance policyholders receive the fair treatment they deserve. To review the details of your case and receive the benefit of personalized legal advice, take advantage of your free initial consultation with our disability lawyers serving Chéticamp by calling 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 Chéticamp?

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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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