One of James Ludwar's strengths is his ability to make complex legal concepts simple for clients, insurance adjusters and other legal professionals. When dealing with your disability claim, he will make sure you understand:
The difference between legal disability and medical disability
Lump-sum benefits versus ongoing benefits and what will give you the most breathing room when trying to get back to work
The differences between "own occupation" clauses and "any reasonable occupation" clauses
The pre-existing conditions and how to deal with being unjustly denied because of them
Why your diagnosis doesn't matter as much as your functional limitations and their effect on your ability to work
CPP disability benefits are often much harder to get than private long-term disability. If you have been denied coverage, we will help you understand common reasons for denial, such as:
Ability to work, even if the only jobs available are part-time, not in your area and don't take into account your previous training or work history
Disability not considered "long-continued and of indefinite duration"
Lack of adequate medical proof of your disability
If you choose to appeal within the 90-day period after you have been turned down, we will help you through the appeals process and help you get the benefits you deserve.