LONG-TERM DISABILITY CLAIMS
Long-Term Disability (LTD) Claim Lawyer for Calgary, Alberta and Saskatchewan
Ludwar Law Firm is the right choice for disability claim lawyers in Calgary. Many of our clients come to us after experiencing a long-term disability (LTD) claim denial by an insurance company or by the Canada Pension Plan (CPP).
In an LTD claim, the burden is on you to prove that you’re disabled. Insurance companies in Alberta and Saskatchewan aren’t required to conduct their own investigations of your ability to work. Furthermore, they often do a poor job of telling you what’s needed to prove your disability. So, even if you have a doctor’s report, your insurance company may not accept it.
Often, the problem isn’t that you’re not disabled — it’s that your evidence is considered insufficient. Ludwar Law Firm provides experienced long-term disability lawyers in Calgary, Alberta, and Saskatchewan. Contact an LTD claim attorney to help you with the disability claim process and ensure you get paid.
What Conditions Qualify for Long-term Disability?
Long-term disability claims lawyers in Calgary can get your insurance company or Canada Pension Plan to look at your disability evidence again.
You don't need to have a specific diagnosis to "prove" your disability; you only need to show that you cannot work. Because many conditions have very similar symptoms, some of our clients have been given many different diagnoses by different doctors. Some of the more common conditions we see are:
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Depression interferes with your ability to concentrate, remember facts and control your emotions. If your depression limits your ability to work and earn a living, you may be eligible for a depression disability benefit from your insurer, the government or your employer. Unfortunately, it’s common to experience a long-term disability claim denial for depression due to a lack of medical evidence or inadequate proof of impairment.
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Fibromyalgia is a chronic pain disorder characterized by widespread musculoskeletal pain, fatigue and tenderness. Insurance companies often see fibromyalgia as a “catch-all” diagnosis that lacks credibility. This is because fibromyalgia cannot be diagnosed with any objective evidence currently accepted by the mainstream medical community. Insurance companies often deny an initial fibromyalgia LTD claim, requiring a claim denial appeal.
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Chronic fatigue syndrome (CFS) involves persistent, unexplained fatigue that doesn’t improve with rest. There’s no definitive test to diagnose CFS, so it can be challenging to prove this condition. CFS claims are often denied because doctors, insurance representatives and legal professionals think that CFS is nothing but laziness and that clients can still work if they just put their minds to it.
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Memory and concentration problems can make it impossible to perform well at your job. Insurance companies often take advantage of the vague nature of the term to deny claims.
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Headaches and migraines can seriously affect all areas of your life, including your job. Someone who suffers from migraines may be able to perform well at their job when they’re healthy. However, once a headache hits, they’re incapacitated and unable to do their work. Proving that headaches make you unable to perform your job is a challenge that a disability claim lawyer can overcome.
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Post-traumatic stress disorder (PTSD) isn’t limited to soldiers who’ve been in combat or people who’ve been seriously physically assaulted — anyone can suffer debilitating trauma from a car accident, losing a loved one or getting robbed while at work. Many of the symptoms of PTSD are vague, so insurance companies and legal professionals may feel that you’re not disabled.
Reasons Why Your Long-Term Disability Claim is Denied
Many of these conditions are difficult to prove and are not taken seriously by insurance companies. Our Calgary long-term disability claims lawyer knows how to explain your functional limitations and how they prevent you from doing your job. An experienced long-term disability claims lawyer can explain and also explain how your disability may affect your future.
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At Ludwar Law Firm, we see insurance companies deny claims for many reasons, these include:
- Your symptoms were not properly "proven."
- You still have the ability to do jobs that are similar to your own.
- You still have the ability to perform some parts of your former job.
- You have the ability to work at some jobs, even if they are significantly lower wage than what you had before your disability.
- With conditions such as depression, chronic pain or chronic fatigue syndrome, because you are sometimes able to perform all or parts of your former job, you may be considered "able to work" even if you are unable to show up for work reliably.
- Your disability may not have been considered serious enough.
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Why Should You Hire Ludwar Law Firm as your Long-term Disability Lawyer?
When you hire Ludwar Law Firm as your long-term disability lawyer for your claim denial, we will obtain the documents necessary to prove your disability from work. We will deal with the insurance company so you can focus on getting better or, at the very least, not getting worse. At Ludwar Law, we work on minimizing the stress of a lawsuit by explaining every step to you and making sure you have an idea of the “big picture.” At Ludwar Law, we never get paid until your file gets settled and you get the benefits you deserve.
Contact Us in Edmonton, Calgary, Regina and Saskatoon
For long-term disability counsel personalized to your specific needs, contact Ludwar Law Firm today. Ludwar Law Firm services many different areas in both Alberta and Saskatchewan, including Calgary, Medicine Hat, Brooks, Lethbridge, Airdrie, Red Deer, Saskatoon, Regina, Swift Current, and Moose Jaw.