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Sackville Long-Term Disability Lawyers

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Contact our Sackville 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 18, 2021 | Last Reviewed: August 7, 2026

If you sustained severe injuries in an accident, were diagnosed with a chronic illness, or have developed a debilitating mental health condition, continuing to perform the duties of your job as usual may no longer be possible. Acquiring a disabling medical condition that prevents you from completing the tasks associated with your job can be a distressing and overwhelming experience. Unable to collect your regular earnings, you may find yourself developing legitimate financial anxieties about affording necessary costs of care while continuing to support yourself and your family.

In these situations, provided you have the appropriate level of insurance coverage, you may be able to access some financial relief in the form of disability benefits. Disability benefits may be included in your employer’s group insurance plan, or you may be able to access them through a privately held insurance policy that you pay for yourself.

In this country, disability benefits generally replace between 60-70% of a recipient’s normal wages. These much-needed monthly income replacement payments can help eligible policyholders navigate an incredibly challenging moment in their lives, helping them stay financially solvent while they are unable to return to work.

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, for a number of different reasons, insurance providers may decide to deny an applicant’s claim for disability benefits, even if their medical condition makes it impossible for them to continue working. Receiving a denied claim for disability benefits can be extremely disheartening. Oftentimes, disability benefits are the only source of income available to people who have been waylaid by an unexpected diagnosis for a disabling medical condition. Without access to the benefits payments they should be owed, disabled workers could easily find themselves in financial distress.

However, if your claim for benefits was denied even though your medical condition prevents you from working, our disability lawyers serving Sackville may be able to provide you with critical legal assistance. By working with our Sackville disability lawyers, you may be able to overturn your insurance provider’s unfair determination and recover the payments you are rightfully owed.

To review the circumstances of your case with Preszler Injury Lawyers and receive the benefit of free, personalized legal advice, contact our disability lawyers serving Sackville today and schedule your free initial consultation.

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

If your claim for benefits has been denied, standing up to the unfair tactics employed by large insurance companies can seem like a challenging and expensive process. However, our Sackville disability lawyers understand the precarious position you have been put in by your insurance provider, and do our best to remove financial barriers to accessing our legal services. That is why, in addition to offering all prospective clients a free initial consultation, our disability lawyers serving Sackville work on a contingency-fee basis. That means, if you are eligible to appeal  your insurance company’s unfair decision, you will not be required to pay for our legal services unless we win your case. If you are eligible to work with our Sackville disability lawyers, you can focus on your physical recovery while we focus on getting you the compensation you deserve.

To learn more about how Preszler Injury Lawyers may be able to help with your case, book your free initial consultation with our Sackville disability 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 Sackville?

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