Yarmouth Long-Term Disability Lawyers
Find out if you have a case today.
Contact our Yarmouth 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 4, 2021 | Last Reviewed: August 7, 2026
Have you recently been diagnosed with a chronic illness, severe physical injury, or debilitating mental health condition? If so, provided you have the appropriate level of insurance coverage, you may be entitled to disability benefits.
Disability benefits provide income replacement payments to eligible policyholders whose medical conditions prevent them from performing the duties of their job. You may have access to disability benefits through your employer’s group insurance plan, or through a privately held insurance policy for which you pay monthly premiums yourself.
Eligible insurance policyholders who have acquired disabling medical conditions may be able to take advantage of the benefits available to them. Disability benefits do not fully replace a recipient’s total salary. Instead, they provide between 60-70% of their regular wages. However, after sustaining disabling injuries or developing a severe mental or physical illness that makes it impossible to continue completing the tasks of their jobs, disability benefits can provide essential financial support to eligible policyholders to help them through an extraordinarily challenging time in their lives.
To apply for disability benefits, you will likely be required to submit supplementary medical evidence along with your application. This evidence should illustrate that you have received a diagnosis for a disabling medical condition for which you have been receiving ongoing medical treatment. The evidence should also prove that the symptoms of your medical conditions prevent you from completing the responsibilities of your job. Some evidence you may be required to submit to your insurer in order to substantiate your claim could include:
- 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
However, even after submitting thorough evidence proving the severity of your medical condition and its impact on your ability to perform the duties of your job, your insurance provider may decide to deny your claim. In fact, insurance companies can deny disability claims for a number of reasons, all of which can be frustrating to try and comprehend.
If your claim for disability benefits was denied even though you believe the medical condition you have acquired should entitle you to receive them, consider booking a free initial consultation with our disability lawyers serving Yarmouth. Our Yarmouth disability lawyers have a history of standing up to the unfair tactics often used by insurance providers to withhold funding from eligible policyholders.
Our disability lawyers serving Yarmouth may be able to help you overturn your insurance company’s initial decision. By pursuing action against your unfair insurance provider, our Yarmouth disability lawyers may be able to help you recover the benefits payments to which you should be entitled. If you have incurred additional damages as a result of your claim’s initial denial, our disability lawyers serving Yarmouth may be able to help you recover compensation for those financial losses, as well.
To review your case and learn how our Yarmouth disability lawyers may be able to provide you with assistance, contact Preszler Injury Lawyers today and receive your free initial consultation.
Free Consultation for Yarmouth Residents – We Don’t Get Paid Unless We Win
At Preszler Injury Lawyers, we believe that no one should be mistreated by their insurance provider. If you should be eligible to receive disability benefits but your claim was denied and your payments were withheld, our disability lawyers serving Yarmouth may be able to provide you with crucial assistance and advice.
To learn more about options that might be available to you, book your free initial consultation with our Yarmouth disability lawyers today by calling Preszler Injury Lawyers.
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.
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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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