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Reliable Long-term Disability Lawyers in Alberta

If your claim for long-term disability (LTD) claim benefits has been denied and you aren’t sure what to do, a lawyer from Ludwar Law Firm in Alberta can help. We understand how scary and frustrating it can be to feel ignored and unheard by your insurance company. Fortunately, we have over 25 years of experience in disability law and can help you get the benefits you’re legally owed.


We serve many cities in Alberta, including Calgary, Edmonton, Medicine Hat, Brooks, Lethbridge, Airdrie and Red Deer. Contact us today for a free consultation.

What’s long-term disability?

Long-term disability is designed to provide individuals with financial support if they’re suffering from an illness or permanent disability that prevents them from working. Most workers in Alberta are insured for long-term disability benefits through their employers. LTD benefits typically cover 60 to 70 per cent of your pre-disability salary. You must be off work for 17 weeks or more to apply for LTD benefits.


Definition of a disability

The definition of a disability varies between private insurance companies; it can even vary between different insurance plans from the same company. Therefore, it’s important to check your policy for the precise eligibility requirements. However, some illnesses and injuries that qualify as a long-term disability under most insurance policies include:


  • Musculoskeletal disorders, such as arthritis, scoliosis and fibromyalgia

  • Chronic fatigue and pain syndromes, such as nerve pain and sciatica

  • Mental health conditions, such as PTSD, depression and schizophrenia

  • Cardiovascular conditions, such as hypertension, chronic heart disease and stroke

  • Autoimmune diseases, such as lupus and multiple sclerosis

  • Digestive disorders, such as Chron’s disease

  • Hearing or vision impairment

  • Neurological disorders, such as Parkinson’s Disease

  • Respiratory disorders, such as chronic lung disease and asthma

  • Cancers

  • Diabetes

  • Injuries and accidents

Why insurance companies deny long-term disability claims

An insurance company may deny your long-term disability claim or terminate your long-term disability benefits for a variety of reasons, one of the most prevalent being that your injury or medical condition doesn’t fall under the insurance policy’s definition of a disability. Other reasons include:


  • You didn’t fill out the application correctly

  • You applied late

  • You haven’t been out of work long enough

  • Your application was missing information or didn’t provide sufficient evidence

  • You had a pre-existing medical condition


If your long-term disability claim is denied, don’t give up hope. Ludwar Law Firm can analyze your case and help you appeal your insurance company’s decision. We understand the ins and outs of disability law and will fight tirelessly to represent you and uphold your rights. Once we take over your case, we’ll communicate directly with the insurance company on your behalf so you can focus on your health and recovery.


Long-term and CPP disability claim denial lawyer in Edmonton and Calgary

If you or a loved one has been denied long-term disability claim benefits for a legitimate illness or personal injury, Ludwar Law Firm in Alberta can help. A disability claim denial lawyer will meet with you and carefully gather the details of your case. We’ll come up with a strategy to ensure you get the benefits you deserve. We provide free consultations and don’t get paid unless we successfully secure compensation for you. No fees until recovery. We represent clients in Calgary, Edmonton, Lethbridge, Fort McMurray and beyond. Contact us today for more information.

How to apply for long-term disability claim benefits in Alberta

Are you considering applying for long-term disability claim benefits in Alberta? Here’s a breakdown of the essential steps you must follow to prepare and submit an effective claim.


  1. Get a Diagnosis if possible:  A diagnosis will strengthen your application, but it is not necessary to receive disability benefits.  What is most important is for your doctor to describe your functional limitations and how they affect your ability to work.

  2. Gather medical documents. Gather all relevant medical documentation from your healthcare provider that details your diagnosis, symptoms, treatment plan and how your condition has affected your daily life.

  3. Complete the application. Fill out the application forms provided by your insurance company. Make sure to provide all requested information to ensure your disability claim is represented in the best possible way.

  4. Apply. Submit the completed application, along with all other requested documentation. Ensure you keep copies of everything for your records. The insurance company will review your application before coming to a decision. This process can take several weeks, so be patient.

  5. Follow up. You can periodically follow up with your insurance provider to check on the status of your claim. They should provide updates on the progress of your application. If the adjuster requests any additional information, try to get it to them as soon as possible.


Once your application is reviewed, the insurance company will inform you of their decision. If it’s denied, you have the option to appeal. Don’t worry, Ludwar Law Firm can help you with this. Our experienced disability claim denial lawyer has extensive experience advocating successfully on behalf of many Edmonton residents. You can count on our team to pursue your case so you can obtain the benefits your insurance company owes you.

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