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Wolfville Long-Term Disability Lawyers

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Contact our Wolfville 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 23, 2021 | Last Reviewed: August 7, 2026

Your medical condition may make it impossible for you to continue performing the duties of your job. If you have been seriously injured or have been diagnosed with a physical or mental illness that prevents you from returning to the workplace for a prolonged period of time, provided you have an appropriate level of insurance coverage, you may be able to collect disability benefits.

Some Wolfville residents may have access to disability benefits through their employer’s group insurance plan; others may have disability coverage through an insurance policy they pay for privately. Regardless of how a person accesses insurance coverage, however, all insurance policies differ from one another, and each policy has different eligibility requirements for disability benefits.

Whether or not an individual’s physical illness or injury will entitle them to disability benefits depends on the terms of their insurance policy as well as the physical demands of their occupation. 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

Disability benefits do not replace a recipient’s entire salary. Instead, these income replacement payments provide eligible insurance policyholders with between 60-70% of their regular earnings. For people struggling to make ends meet after receiving a diagnosis for a disabling medical condition, disability benefits can provide much-needed financial relief to help them continue supporting themselves and their families.

In order to apply for disability benefits, you may be required to submit supplementary material illustrating the severity of your medical condition and the effect it has on your ability to carry out the duties of your job. 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

Unfortunately, even applicants who provide their insurance provider with thorough medical evidence proving that their medical condition makes it impossible for them to continue working could have their claims for disability benefits denied. Insurance providers deny the claims of many eligible policyholders whose medical conditions should entitle them to receive disability benefits.

If your claim for benefits was denied by your insurance provider and the payments you are rightfully owed were withheld from you, our disability lawyers serving Wolfville may be able to help. Our Wolfville disability lawyers have a history of standing up to the unfair practices employed by insurance providers to help the clients we represent recover the compensation they are duly owed.

By working with our disability lawyers serving Wolfville, you may be able to overturn your insurance provider’s unfair decision, recover previously withheld benefits payments, and receive compensation for damages you incurred because of your claim’s initial denial. To learn more about how our Wolfville disability lawyers may be able to help with your case, call Preszler Injury Lawyers today and receive a free initial consultation.

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

Receiving a denied claim for disability benefits can be a disheartening experience. Standing up to a large insurance company to fight for your rights without assistance can seem like an overwhelming challenge. However, Preszler Injury Lawyers have experience helping unfairly treated insurance policyholders receive the compensation they deserve.

To review your case with our disability lawyers serving Wolfville, take advantage of your free initial consultation by contacting 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.

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 Wolfville?

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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.

1-833-405-8282