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  • A picture with a female woman holding a book, looking sad/depressed, and a foggy background with trees.
    Is Depression or Anxiety a Disability in Canada?

    The statistics show that severe depression affects 5.4 percent of the Canadian population.

    If you have been denied a disability claim for depression or anxiety in Canada, you can appeal it with the help of a depression lawyer. Depression and anxiety claims can sometimes be difficult to prove and require strong evidence.

    However, with the right legal team, you can win your case. Here is an in-depth look at what you need to know about depression and disability benefits in Canada.


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  • Disability Claim Form being hold by a pair of make hands
    Can You Appeal Your Long-term Disability Claim?

    Was your long-term disability claim denied? Not to worry.

    The Canadian Pension Plan often has unfair reasons to deny a claim, but with the right help, it can be appealed. Keep reading to learn why this happens and what to expect going forward.

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  • Patient is consulting with doctor
    Long-term Disability Applications and Denials

    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.

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  • A girl wearing mask and showing thumbs up
    Can You Get Disability Benefits For COVID?

    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. 


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  • Dark man working on laptop
    Own Occupation and Any Occupation

    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.


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  • stressed man sitting on a couch
    Claiming Long-Term Disability for PTSD cases

    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.


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  • Indicating the secure old age lifestyle
    CPP Disability Claims and Long-Term Disability Claims: Calgary Law Firm Explains the Differences

    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).


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  • Man sitting on the floor with his hands covering his face
    How Does a Long-Term Disability Claim for Depression or Anxiety Work?

    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.


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  • Disability law written on a book
    Top Tips for Choosing a Long-Term Disability Lawyer

    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.

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  • Car accident lawyer
    Benefits of Hiring a Car Accident Lawyer

    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.

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  • A man sitting on wheel chair and checking the document
    Explaining the Basics Steps of a Claim for Long-Term Disability

    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.

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  • A woman sitting on a wheel chair discussing with lawyer
    Denial of Long-Term Disability Claims: Calgary Lawyer Explains What to do Next

    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.

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  • A man on his phone in front two cars that have just been in an accident
    What To Do If You’ve Just Been in a Car Accident

    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.

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  • Three people consoling a woman
    Mental Health and Disability Claims – Post-Traumatic Stress Disorder

    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.

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  • A pen placed on top of a statement of personal injury and a patient medical history form
    Hiring a Personal Injury Lawyer

    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.

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  • injured lady checking document
    Disability claims in Canada and how to improve your own claim

    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.

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  • Bike Lane In The City
    Lane Safety Tips for Motorcycles

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

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  • An injured woman on road

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


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  • Dead woman on road
    Elderly Woman Killed in Fatal Pedestrian Versus Car Accident

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

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  • Woman taking care of children on pedestrian crosswalk
    Keeping Child Pedestrians Safe from Car Accidents

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

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  • Pedestrian accident
    Always Look for the Signs of TBI after a Pedestrian Accident

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

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  • man stressed after an accident
    Making a Post-Traumatic Stress Disorder Claim After an Accident

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

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  • wearing helmet while riding motorcycle
    Do I Have to Wear a Helmet While Riding a Motorcycle in Alberta?

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

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  • Bicycle accident
    Manufacturer Recalls Almost 1 Million Bicycles

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

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  • Truck accident in snow
    What Is Being Done about Human Errors In Trucking?

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

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  • Woman in doctor's clinic with hand on forehead
    Traumatic Brain Injury Leads to $1.5 Million for Former Student

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

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