LONG-TERM DISABILITY CLAIMS
Lawyers for Long-Term Disability (LTD) Claim for 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).
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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 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 long-term disability claims in Alberta & Saskatchewan.
What conditions qualify for long-term disability?
Our lawyers help you with long-term disability claims in Alberta & Saskatchewan and can get your insurance company or Canada Pension Plan to review your disability evidence again.
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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 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 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 performing well at your job impossible. 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 for a long-term disability claim denial
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 how your disability may affect your future.
At Ludwar Law Firm, we see insurance companies deny claims for many reasons, including:
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Your symptoms were not correctly "proven."
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You still can do jobs that are similar to your own.
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You still can perform some parts of your former job.
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You can work at some jobs, even if they pay significantly lower wages than those you had before your disability.
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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
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Your disability may not have been considered severe enough.
Essential Steps for Filing a Long-Term Disability Claim
Filing a long-term disability claim can be tricky. To make the process smoother and improve your chances of getting approved, follow these key steps:
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Assemble medical documents. Obtain comprehensive medical records from your medical professionals. This should contain details on your disability-related limits, diagnosis, and treatment plans.
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Examine your policy: Carefully read the terms of your long-term disability insurance policy. Recognize the coverage, the prerequisites for eligibility, and any exclusions. Verify that you are aware of the insurer's requirements.
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Complete the following claim form: Fill out the disability claim form your insurance provider sent you. Describe your health, employment history, and how your impairment impacts your day-to-day activities.
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Send in any supporting documentation: Include your claim form and necessary supporting evidence, such as test results, medical reports, and employment statements. Make sure everything is accurate and complete.
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Regularly check in: After filing your claim, contact your insurance provider to see how it's progressing. Record all communications with them.
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Appeal if needed: If your claim is denied, read the denial letter carefully to understand why. Collect any additional evidence required and submit an appeal within the allowed time.
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Seek experienced assistance: Consider consulting with a disability claims attorney at Ludwar Law Firm. We can handle the paperwork, represent you in negotiations with the insurance provider, and guide you through the procedure.
Following these steps can ensure your long-term disability claim in Alberta & Saskatchewan is managed effectively, boosting your chances of a successful outcome with Ludwar Law Firm. Visit us today if you have any questions or need assistance regarding filing a long-term disability claim.
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 ensuring 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 areas in Alberta and Saskatchewan, including Calgary, Medicine Hat, Brooks, Lethbridge, Airdrie, Red Deer, Saskatoon, Regina, Swift Current, and Moose Jaw.