Port Hawkesbury Long-Term Disability Lawyers
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Contact our Port Hawkesbury long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Published: October 27, 2021 | Last Reviewed: August 7, 2026
If you have been diagnosed with a physical illness, injury, or mental condition that makes it impossible for you to work, if you have the right level of insurance coverage, through your employer’s group plan or your own privately held policy, you may be entitled to disability benefits. Disability benefits are designed to provide income replacement payments to those policyholders who, because of newly acquired illnesses or injuries, cannot carry out the tasks associated with their jobs.
While eligibility requirements for disability benefits differ between insurance policies, common examples of medical conditions that might qualify insurance policyholders 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
Disability benefits do not provide compensation for a recipient’s entire regular earnings. Instead, they generally provide somewhere between 60-70% of an eligible claimant’s normal wages. That said, for those who can no longer make ends meet through no fault of their own, disability benefits may be the only source of income available to them. They could make all the difference between supporting oneself and one’s family and becoming financially insolvent.
Claimants applying for disability benefits are often required to submit medical evidence to their insurance provider along with their application. This evidence should be able to prove that the applicant has been receiving ongoing treatment for this disabling condition and that its symptoms make it impossible for them to perform the duties of their jobs. Types of evidence a claimant may be required to submit include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
That said, even after supplying compelling, accurate medical evidence proving the severity of their condition and the adverse impact it has on their ability to return to work, policyholders who have applied for disability benefits often have their claims denied. And while denied applicants should have the ability to appeal their insurance provider’s initial determination, standing up to a large insurance company without assistance and while already suffering the debilitating symptoms of a disabling medical condition can seem like an impossible task.
However, if you have been diagnosed with a medical condition that prevents you from working and your claim for benefits was denied by your insurer, our disability lawyers serving Port Hawkesbury may be able to help you overturn your insurance provider’s unfair determination. Our Port Hawkesbury disability lawyers know the unfair tactics often used by insurance providers to withhold benefits payments from deserving policyholders, and pride ourselves in our ability to stand up for the rights of wrongfully denied benefits claimants.
Our disability lawyers serving Port Hawkesbury may be able to help you recover the compensation you deserve, including previously withheld payments and other damages that may have arisen from your claim’s initial denial. To review the details of your case during a free initial consultation with Preszler Injury Lawyers, call our Port Hawkesbury disability lawyers today.
Free Consultation for Port Hawkesbury Residents – We Don’t Get Paid Unless We Win
To learn more about how Preszler Injury Lawyers may be able to help with your case and receive the benefit of personalized legal advice from our disability lawyers serving Port Hawkesbury, call today to receive 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.
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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.
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