New Waterford Long-Term Disability Lawyers
Find out if you have a case today.
Contact our New Waterford long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Table of Contents
Published: September 29, 2021 | Last Reviewed: August 7, 2026
Provided you have the appropriate level of insurance coverage, if you have sustained a physical injury or been diagnosed with a medical condition that makes it impossible for you to continue working, you may be eligible for disability benefits. 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.
When a serious physical ailment or mental health condition makes it impossible for people to continue earning their regular salaries, disability benefits could provide crucial financial assistance. By providing eligible recipients with income replacement payments, disability benefits can help injured or ill residents of New Waterford reclaim a sense of financial stability. Although disability benefits will not replace a recipient’s full wages, the amount available to them can help an injured or ill policyholder through an extremely challenging time in their life by providing them with between 60-70% of their regular earnings.
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
Unfortunately, many claims for disability benefits are denied by insurance providers each year. Insurance companies can deny disability claims for a number of reasons and withhold payments from policyholders who, indeed, should be entitled to them. Receiving a denied claim for disability benefits can be a discouraging, demoralizing, and anxiety-inducing experience. For many applicants, the disability coverage they are rightfully owed is the only hope they have of avoiding financial distress.
At Preszler Injury Lawyers, our disability lawyers serving New Waterford 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. That is why, if your benefits claim was denied by your insurer, taking advantage of a free initial consultation with our New Waterford disability lawyers could be beneficial to you.
If you are eligible to appeal your insurance company’s unfair decision, our disability lawyers serving New Waterford may be able to help you overturn their initial determination. By doing so, our New Waterford disability lawyers may be able to help you recover the benefits payments to which you were always entitled, in addition to any other damages you may have incurred because of your claim’s initial denial.
To learn how Preszler Injury Lawyers may be able to help with your case and discuss legal options that may be available to you, call our disability lawyers serving New Waterford today and take advantage of your free initial consultation.
Free Consultation for New Waterford Residents – We Don’t Get Paid Unless We Win
After receiving a denied claim for disability benefits, it can be difficult to understand why your insurance provider decided to withhold your payments. It can be even harder to understand what actions should be taken next in order to try reversing their unfair determination.
By speaking with our New Waterford disability lawyers, you could receive beneficial legal advice about options for financial recovery that may be available. To book your free initial consultation, call 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.
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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 New Waterford?
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