Sydney Mines Long-Term Disability Lawyers
Find out if you have a case today.
Contact our Sydney Mines long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Published: September 7, 2021 | Last Reviewed: August 7, 2026
If you have sustained a serious injury, chronic physical illness, or severe mental health disorder, provided you have the appropriate level of insurance coverage, you may be entitled to disability benefits. Certain insurance plans provide income replacement payments in the form of disability benefits to people who can no longer work because of their debilitating medical conditions.
While disability benefits do not fully replace a recipient’s regular wages, they do provide between 60-70% of their normal earnings. For people who cannot continue performing the duties of their jobs because of the medical conditions they have acquired, these monthly payments can be critical sources of income, helping disabled people support themselves and their families through extraordinarily difficult times.
Depending on the terms and conditions of your insurance plan, the medical condition you have developed may qualify you to receive disability benefits. You may be able to recover disability benefits through your employer’s group insurance plan or through a privately held insurance policy to which you pay monthly premiums. Insurance policies provide various levels of coverage and have different eligibility requirements for various benefits. Before submitting an application for disability benefits, it would be prudent to review your policy and ensure that disability benefits are, in fact, available through your insurance plan, and that your condition entitles you to receive them.
When submitting an application for disability benefits, claimants are usually required to include supporting documentation to their insurance provider. This supporting documentation should illustrate the severity of your medical condition by proving that you have been receiving ongoing treatment for it and that its symptoms make it impossible for you to complete the tasks associated with your job. Some evidence you may be required to provide to substantiate your claim for disability benefits includes:
- Medical records
- Results of medical examinations
- Statements from your attending physicians
- A detailed description of your job duties
- A statement from your plan sponsor (i.e. your employer)
- Other documentation proving that your medical condition prevents you from performing the duties of your job
Unfortunately, even after submitting detailed medical evidence proving the severity of your condition, your insurance provider may find reasons to deny your claim for disability benefits. Sadly, the majority of disability claims submitted to insurance providers across the country each year are denied, oftentimes for reasons applicants find difficult to understand.
Few situations are as demoralizing as receiving a denied claim for disability benefits. When people can no longer work, through no fault of their own, and have paid into an insurance policy meant to provide them with security should the unthinkable occur, receiving a denied claim can feel like a deep injustice.
Our disability lawyers serving Sydney Mines have a reputation for standing up to insurance providers who have unfairly denied disability benefits to the eligible clients we represent. By working with our Sydney Mines disability lawyers, you may be able to pursue legal action against the insurer that denied your claim in order to recover the benefits you are rightfully owed, as well as any other damages resulting from your claim’s initial denial.
To discuss your case and learn about legal options that may be available to you, schedule a free initial consultation with our disability lawyers serving Sydney Mines by calling Preszler Injury Lawyers today.
Free Consultation for Sydney Mines Residents – We Don’t Get Paid Unless We Win
At Preszler Injury Lawyers, we appreciate that being denied a crucial source of income like disability benefits can leave people in a financially precarious position. That is why our Sydney Mines disability lawyers seek to remove financial barriers to accessing our services. In addition to providing all prospective clients with a free initial consultation, our disability lawyers serving Sydney Mines work on a contingency-fee basis. That means, if you are eligible to pursue a claim, you will not pay for our legal services unless we win your case.
To learn how our Sydney Mines disability lawyers may be able to help with your case, call 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.
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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 Sydney Mines?
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