Preszler Disability Lawyers
Your Road to Recovery Starts Here.
If your long-term disability benefits have been delayed, denied or terminated, contact our long-term disability lawyers for a free consultation. Let us help you get the compensation you deserve, so you can focus on your recovery.
How Do Our
Free Consultations Work?
Speak to a member of our legal team 24/7
1) Book Your Free Consultation.
Fill out our contact form or chat with our live chat bot to schedule your free consultation with a member of our legal team. We will respond within 24 hours for your consultation.
2) Our Legal Team Will Review Your Case.
During your complimentary consultation, a member of our legal team will review your case details with you and let you know if you have a claim worth pursuing.
3) Don’t Pay Unless We Win Your Case for You.
If you decide to hire us, you don’t pay us anything unless we successfully recover compensation for you. And if we don’t, you pay nothing!
A member of our legal team would be pleased to assist you.
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If any of these situations apply to you, we can help.
Applying for short-term disability benefits?
Don’t sign anything until you’ve had a chance to speak with a disability lawyer to make sure you understand what you are signing. The earlier you speak with a disability lawyer, the less chances you’ll make errors when filing your claim.
There are timelines that you need to be aware of when filing these types of claims, so make sure that you are aware of all the deadlines. It is important you seek out healthcare for your injuries or condition(s) as soon as possible and document everything. Always make sure your claim are truthful and honest and don’t downplay your injuries. If your insurance company denies your disability claim, contact our office right away to determine what your options are. Remember, just because your short term disability claim has been denied does not mean that your disability claim is not valid.
Get started with your free consultation. Our legal team that knows the in’s and out’s of short-term disability claims.
Applying for short-term disability benefits?
Don’t sign anything until you’ve had a chance to speak with a disability lawyer to make sure you understand what you are signing. The earlier you speak with a disability lawyer, the less chances you’ll make errors when filing your claim.
There are timelines that you need to be aware of when filing these types of claims, so make sure that you are aware of all the deadlines. It is important you seek out healthcare for your injuries or condition(s) as soon as possible and document everything. Always make sure your claim are truthful and honest and don’t downplay your injuries. If your insurance company denies your disability claim, contact our office right away to determine what your options are. Remember, just because your short term disability claim has been denied does not mean that your disability claim is not valid.
Get started with your free consultation. Our legal team that knows the in’s and out’s of short-term disability claims.
Applying for short-term disability benefits?
Don’t sign anything until you’ve had a chance to speak with a disability lawyer to make sure you understand what you are signing. The earlier you speak with a disability lawyer, the less chances you’ll make errors when filing your claim.
There are timelines that you need to be aware of when filing these types of claims, so make sure that you are aware of all the deadlines. It is important you seek out healthcare for your injuries or condition(s) as soon as possible and document everything. Always make sure your claim are truthful and honest and don’t downplay your injuries. If your insurance company denies your disability claim, contact our office right away to determine what your options are. Remember, just because your short term disability claim has been denied does not mean that your disability claim is not valid.
Get started with your free consultation. Our legal team that knows the in’s and out’s of short-term disability claims.
Applying for short-term disability benefits?
Don’t sign anything until you’ve had a chance to speak with a disability lawyer to make sure you understand what you are signing. The earlier you speak with a disability lawyer, the less chances you’ll make errors when filing your claim.
There are timelines that you need to be aware of when filing these types of claims, so make sure that you are aware of all the deadlines. It is important you seek out healthcare for your injuries or condition(s) as soon as possible and document everything. Always make sure your claim are truthful and honest and don’t downplay your injuries. If your insurance company denies your disability claim, contact our office right away to determine what your options are. Remember, just because your short term disability claim has been denied does not mean that your disability claim is not valid.
Get started with your free consultation. Our legal team that knows the in’s and out’s of short-term disability claims.
Applying for long-term disability benefits?
Don’t sign anything until you’ve had a chance to speak with a disability lawyer to make sure you understand what you are signing. The earlier you speak with a disability lawyer, the less chances you’ll make errors when filing your claim.
There are timelines that you need to be aware of when filing these types of claims, so make sure that you are aware of all the deadlines. It is important you seek out healthcare for your injuries or condition(s) as soon as possible and document everything. Always make sure your claim are truthful and honest and don’t downplay your injuries. If your insurance company denies your disability claim, contact our office right away to determine what your options are. Remember, just because your long term disability claim has been denied does not mean that your disability claim is not valid.
Get started with your free consultation. Our legal team that knows the in’s and out’s of long-term disability claims.
I’m Approaching “Change of Definition”
When you first submit a long-term disability claim (or even a short-term disability claim), insurance companies use the “own occupation test” to determine if they will pay out on your policy. As its name suggests, you will be considered “able” (and thus ineligible for insurance as a result) if you can still perform the duties of your current occupation.
After a period stated in your policy, usually around two years, the definition will shift. At that point, your insurer will apply the “any occupation test” to your abilities. At this point, we recommend you consult with a long-term disability lawyer.
Get started with your free consultation. Our legal team knows the in’s and outs of long-term disability claims in Canada.
My long-term disability benefits have been denied
When your long-term disability benefits have been denied, there may still be hope if you are genuinely injured and unable to perform work duties. It is important to understand the terms of your insurance contract to know if you have been wrongfully denied. To understand the terms of your contract, you can take advantage of a free consultation with a long-term disability lawyer. Doing so can help you determine whether your claim has been wrongfully denied and learn about what steps to take to fix your situation.
This is where our long-term disability lawyers come in.
Get started with your free consultation. Our legal team knows the in’s and outs of long-term disability claims in Canada.
I need help with appealing my long-term disability denial:
Unfortunately, many insurers can deny your long-term disability claims and this happens more often than you think. Luckily the justice system allows for you to appeal your insurer’s decision. When this happens, we recommend you consult with a long-term disability lawyer to go over any options you have and also to help prepare your appeal with relevant documentation. Rest assured, there may be hope – and that’s where our long-term disability lawyers are ready to help. If you are truly unable to work due to your injuries, legal recourse may be available to you.
Get started with your free consultation. Our legal team knows the in’s and outs of long-term disability claims in Canada.
How We've Helped People
Results may vary depending on your unique circumstances.
Let us help you get the compensation you deserve.
Proudly Serving Canada
Free Consulation for Canadians
Contact us to get started with your free consultation and let us put our experience to work for you.
Provinces We Serve
ALBERTA • BRITISH COLUMBIA • MANITOBA • NEWFOUNDLAND • NEW BRUNSWICK • NOVA SCOTIA • ONTARIO • PEI • SASKATCHEWAN
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Frequently Asked Questions
How do LTD claims work?
LTD claims are private disability policies that people usually have secured through their workplace. In order to qualify for LTD benefits, someone has to meet the disability test from their contract. Each contract is different, but to receive benefits, these contracts generally require that claimants are substantially unable to do their own job for a period of two years, and then are unable to substantially do similar jobs that pays approximately 60% or more of their pre-disability income. It is important to keep in mind that claimants could usually be able to perform some work and still be entitled to benefits.
How long does it take for an LTD claim to settle?
Every case is different. Some cases can settle very quickly, within weeks or months of retaining a lawyer. Other cases, depending on the complexity and size of the claim, can take up to two to three years to settle. It is important to dispute and litigate LTD claims quickly and assertively because injured people often have no other source of income due to their inability to work.
How can a disability lawyer help me with my case?
A disability lawyer might be able to help you source alternative sources of income– including CPP disability benefits– to help ensure that you are able to meet financial requirements until a settlement is reached. A disability lawyer can review your case and your disability contract to determine if you have been wrongfully denied. If you have been wrongfully denied, a disability lawyer can initiate a claim to either recover all of your disability payments in a lump sum settlement or to have your disability benefits reinstated. A disability lawyer may also be able to demand the payment of aggravated and punitive damages for the insurance company’s wrongful conduct and the harmful effect their denial has had on your life.
How long do I have to file my claim?
You generally have up to two years to file a lawsuit after a disability denial. It is best to speak with a lawyer to confirm the time limit and ensure you do not miss it.
Will the insurer continue to pay my benefits after we settle the case?
If your case settles with a reinstatement of benefits, then you will continue to receive monthly LTD payments, usually until the age of 65. If your claim settles on a lump sum basis, you will not receive payments in the future because you will have received all of your disability payments at once in a lump sum.
How do disability lawyers charge for these types of claims?
Disability lawyers generally charge a contingency fee in order to prosecute your LTD claim. This means that there are no upfront fees and you will only be required to pay if you are successful in your case. The disability lawyer will also pay all of the expenses of the case upfront and carry these costs throughout the course of your claim before recovering them from the insurance company either when your case settles or after a trial.
Can you dispute my denied disability claim?
In most cases, we can dispute your disability denial. Wrongful denials are sadly common in Canada. If you are unionized, however, your lawyer will need to review the collective bargaining agreement to determine if they are able to take on your case or whether your union is obligated to dispute your denial on your behalf. It is also important to talk with your union to confirm if they are able to assist you, or whether you have the right to hire a private lawyer.
How does the insurance company assess my LTD claim?
Insurance companies are supposed to look at the terms of your insurance contract, your medical condition(s), your real-world impairment(s), and your inability/ability to work. They will review your application and your medical records, so it is important to be accurate on your claim forms and when speaking to your doctor to ensure all conditions and impairments are noted. Unfortunately, insurance companies often deny claims even though someone is unable to work. For example, insurance companies will often deny a claim because they say there is not enough “objective evidence” of an ongoing health condition, even if this criterion is not stipulated in a claimant’s disability contract, and even when all their doctors support the claim of disability.
What do I do if my insurer has denied my disability claim?
It is important to understand the terms of your insurance contract to know if you have been wrongfully denied. In order to understand the terms of your contract, you can take advantage of a free consultation with a disability lawyer. Doing so can help you determine whether your claim has been wrongfully denied and learn about what steps to take to fix your situation. In disability denials, knowledge is power, especially against large insurance companies.
