When I get calls from people saying they have been denied long-term disability benefits, the most likely reason is insufficient medical information. 

Insurers need to satisfy themselves that the medical information supports payment of disability benefits under the applicable definition.  Previous blogs have discussed the 2 main definitions but to quickly summarize; usually there is a period of 2 years where one must be disabled from performing the essential duties of their own occupation in order to receive disability benefits.

A lot of phone calls that I am getting are dealing with COVID and its after-effects.  Some callers are seeking assistance on whether they should fill out the disability application forms or how do they deal with application denial. 

Own Occupation and Any Occupation are legal tests under which a person’s entitlement to disability benefits is assessed.  It is important to remember that these are legal determinations.  Being totally disabled has different criteria in medicine than it does in disability law.

Post-Traumatic Stress Disorder (“PTSD”) is a mental health condition that can have a devastating effect on your life, causing significant problems in social situations, family relationships, and day-to-day functioning. PTSD can also seriously interfere with your ability to work. However, because PTSD is an “invisible disability” it can be challenging to diagnose and difficult to prove in a claim for long-term disability benefits. In this post, our experienced disability lawyer will discuss what you need to know about disability claims for PTSD.

If you are unable to work due to disability, serious injury, or chronic illness, you may be eligible for disability benefits from a number of sources. In fact, if you have long-term disability (LTD) insurance coverage through a private insurance company, the policy may require that you apply for disability benefits from the Canada Pension Plan (CPP).

Many people will experience periods of depression or anxiety at times throughout their life. For some, the depression or anxiety will be longer-lasting, and may become chronic. Depression and anxiety can make it difficult or impossible to function at work, adding increased financial stress. If you are unable to work due to depression or anxiety, here is what you need to know about making a long-term disability claim.

Calgary-based Ludwar Law Firm has been helping clients win long term-disability claims for over 25 years. Our disability lawyers understand that every case if different, and the law in this area is complex. We also know that long-term disability clients are dealing with much more than just the legal aspects of getting their disability claim approved and often need information on many aspects of living with disability. When you are already struggling with an illness or injury, it can be overwhelming to deal with time-consuming paperwork, strict deadlines, and legal jargon to get your long-term disability claim approved. You do not have to fight the insurance company or your employer on your own.

Calgary-based Ludwar Law Firm has more than 25 years’ experience helping car accident victims get the compensation they need to recover from their injuries and losses. If you have been injured in a car accident, there are significant benefits to hiring a car accident lawyer as soon as possible – especially after a serious car accident. Let’s discuss the top five ways a personal injury lawyer can help you if you have been hurt in a car accident.

Calgary-based Ludwar Law Firm has over 25 years of experience representing clients with long-term disability claims. Our clients appreciate that we take the time to explain each of their options, what is required to make their claim, and what they can expect during the long-term disability claim process. The goal of this article is to explain some of the basic steps involved in making a long-term disability claim for those who are unfamiliar with the process. Of course, this article touches on just some of the things you would need to know when making a long-term disability claim – for more detailed information or to ask questions about your unique situation, we welcome you to contact us today to schedule a free consultation.

If the insurance company denies your application for long-term disability benefits, don’t give up hope – you may still be able to recover benefits by way of an appeal. A denial of long-term disability (“LTD”) benefits is only justified if you do not qualify for those benefits. If there has been a denial of your application for long-term disability benefits, this post will be of interest to you as it sets out common reasons that legitimate claims are denied, discusses some of the steps you should take to begin the appeal process, and explains how a lawyer with experience handling long-term disability claims (Calgary-based Ludwar Law Firm, for example) can help you navigate the appeal process.

A car accident in Alberta can be one of your worst nightmares, but taking a few moments to be prepared in the event of one can make a difference for your legal outcome.

Post-traumatic stress disorder, often known by the abbreviation PTSD, is a serious medical condition that has debilitating effects on the lives of those it afflicts. PTSD may cause feelings of fear, anger and guilt for years. The anxiety resulting can interfere with your life daily, including your interpersonal and work relationships, your ability to eat or sleep or even leave the safety of home.

6 Tips for Hiring a Personal Injury Lawyer in Calgary

If you’re looking for a personal injury lawyer in Calgary you may be quite daunted to discover that you have dozens of options. With an injury lawyer seemingly located on every street corner how do you select the right one for you? Here are a few tips that can narrow it down to one prime choice.

Have a disability? You’re not alone. In 2012, statistics Canada conducted a nationwide survey on disabilities among Canadians aged 15 and older. The published results indicate that nearly four million citizens are affected by a disability. The survey included not only those persons who have health conditions but also those who experience some type of limitation during their daily activities. Even so, approximately 50 per cent of disabled Canadians have a disability that’s categorized as severe or very severe.

On behalf of Ludwar Law Firm posted in Motorcycle Accidents on Thursday, July 9, 2015.

On behalf of Ludwar Law Firm posted in Pedestrian Accidents on Sunday, June 28, 2015.

On behalf of Ludwar Law Firm posted in Car Accidents on Friday, June 26, 2015.

On behalf of Ludwar Law Firm posted in Car Accidents on Thursday, June 18, 2015.

On behalf of Ludwar Law Firm posted in Pedestrian Accidents on Friday, June 12, 2015.

On behalf of Ludwar Law Firm posted in Truck Accidents on Tuesday, May 26, 2015.

On behalf of Ludwar Law Firm posted in Motorcycle Accidents on Friday, May 22, 2015.

On behalf of Ludwar Law Firm posted in Brain Injuries on Tuesday, April 28, 2015.

On behalf of Ludwar Law Firm posted in Truck Accidents on Thursday, April 23, 2015.

On behalf of Ludwar Law Firm posted in Brain Injuries on Thursday, February 5, 2015.