Long-Term Disability Benefits in New Brunswick

Are you suffering from an illness or injury that prevents you from doing your job? Has your insurance company rejected your long-term disability (LTD) claim or cut off your benefits? If so, our long-term disability lawyers may be able to help. You most likely have legal options to dispute your insurer’s actions as well as recover full and fair compensation from them.

For insurance purposes, “disability” is defined as an illness or injury that stops you from doing something, namely earning an income (usually by doing your own or a similar occupation, although this definition changes over time). While this includes the most debilitating conditions, such as quadriplegia, which also prevent you from performing many other tasks of daily living, these are by no means the only health conditions that could activate your LTD.

Sometimes pride and fear can cause people to refuse treatment or even to see a doctor. Aside from leaving your unknown medical issues to worsen, this can hurt your chances of receiving LTD and other insurance benefits the longer you wait.

New Brunswick, like the other Atlantic provinces, has higher prevalence of disabilities than provinces and territories to the west. While 27% of Canadians aged 15 and older had at least one disability in 2022, the figure for New Brunswick was 35.8%, the highest in the country other than Nova Scotia (at 37.9%). It was also 8.6 percentage points more than the number of people with a disability in New Brunswick in 2017.

Our long-term disability lawyers provide you with sound, thoughtful advice at every stage of your LTD claims process (applying, gathering evidence for your claim, corresponding with insurers, disputing their decisions, negotiating, filing a lawsuit, and so on). We will also communicate regularly and openly to put you at ease.

Am I eligible for LTD benefits because of my illness or injury in Newfoundland and Labrador?

Insurance policies can vary widely. The coverage you have may be totally different from that of a neighbour or relative. Below are some conditions that are commonly covered.

If your illness or injury is not listed, we can examine your policy carefully to see whether your health condition is covered.

LTD benefits may come into effect if you suffer from may include but are not limited to:

• AIDS/HIV
• Anxiety
• Arthritis
• Back pain
• Cancer
• Chronic fatigue, pain, or stress
• Concussions
• Depression
• Eating disorders
• Fibromyalgia
• Hearing and eyesight loss
• Heart attack or stroke
• Herniated discs
• Inflammatory bowel diseases (Crohn’s disease, ulcerative colitis)
• Lupus
• Lyme disease
• Mental health and psychological disorders
• Migraines
• Multiple sclerosis
• Neurological disorders
• Paralysis
• Panic attacks
• Post-traumatic stress disorder (PTSD)
• Respiratory problems
• Spinal injuries (bone and/or tissue)
• And more…

What cities do we serve in New Brunswick?

Tell us about your case and find out if our long-term disability lawyers are right for you

Call us today at 1-844-791-8202 or book your free consultation online. Preszler Injury Lawyers works strictly on a contingency fee basis, meaning that you will only pay if we win your case at trial or reach a settlement with your insurance company. Once you have told us more about your claim, we can advise you of the legal options you have. We hope to hear from you soon.

À nos clients francophones, nous pouvons vous aider en français. Si vous êtes blessé ou malade et vous ne pouvez pas travailler en conséquence, nous vous invitons à appeler immédiatement Preszler Injury Lawyers.