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Madawaska County Long-Term Disability Lawyers

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Contact our Madawaska 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

It may be impossible for you to continue performing the duties of your job after contracting a chronic physical illness, acquiring serious injuries, or developing severe mental health issues. In these situations, many Madawaska County residents find themselves in uncertain financial circumstances, unsure how to continue supporting themselves and their families without jeopardizing their health and well-being.

In these cases, provided you have sufficient insurance coverage, you may be able to find some financial relief by applying for disability benefits. Disability benefits are designed to provide injured or ill workers with a portion of their regular wages when their medical conditions prevent them from returning to work. Madawaska County residents may have access to disability coverage through their employer’s group insurance plan or through a privately held insurance policy that they pay into privately.

Although disability benefits do not provide compensation for an eligible policyholder’s total wages, they provide a level of financial security that may help keep them afloat, financially. Typically disability benefits cover between 60-70% of a recipient’s regular wages. These monthly payments can go a long way towards making ends meet, and can be an essential source of income for seriously injured or ill insurance policyholders.

Each insurance policy has different eligibility requirements and varying definitions of disability. Before submitting an application for disability benefits, it might be prudent to ensure that your medical condition is covered by the terms of your policy. Some conditions that may qualify an appropriately insured Madawaska County resident to collect 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

In order to apply for disability benefits, eligible policyholders are usually required to submit evidence substantiating their claims. This evidence should illustrate the severity of their condition, detail the impact their condition will have on their ability to perform the duties of their job, and prove that the applicant has been receiving ongoing medical treatment for their condition.

However, even after submitting sufficient medical proof demonstrating that their medical condition makes it impossible for them to continue working, insurance companies frequently find reasons to deny disability claims. Disputing denied claims can seem like a lengthy, expensive, and often futile pursuit. Many demoralized policyholders whose claims have been unfairly denied simply walk away from the fight instead of pursuing legal action to recover the benefits to which they are legitimately entitled.

Our disability lawyers serving Madawaska County have a history of standing up to insurance companies who have unfairly decided to deny an eligible policyholder’s access to their hard-earned benefits. If your claim for disability benefits has been denied, even though your medical condition should entitle you to receive them according to the terms of your policy, our Madawaska County disability lawyers may be able to provide you with crucial assistance and advice.

To learn about options for financial recovery that may be available to you, schedule a free initial consultation with our disability lawyers serving Madawaska County today.

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

Preszler Injury Lawyers know that, if your claim for disability benefits has been denied, you do not have the time nor the funds to waste weighing your options about steps to take next. That is why our Madawaska County disability lawyers offer a free, initial consultation to all prospective clients. During this no-obligation first meeting with Preszler Injury Lawyers, you will have the opportunity to receive legal advice about how to proceed based on your specific circumstances, all at no cost to you.

To learn if our disability lawyers serving Madawaska County may be able to help you overturn your insurance provider’s unfair determination, call Preszler Injury Lawyers today for your free initial consultation.

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 Madawaska County?

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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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