Long-Term Disability Benefits in Manitoba

Long-term disability (LTD) insurance might make the difference between fast-ballooning debts and fulfilling your financial obligations when a health crisis hits. Unfortunately, just because you have insurance does not mean your claim will be automatically accepted. Insurers may have reason to deny your claim outright, pay out less than the policy specifies, or stop benefits while you still need them. Our Manitoba long-term disability lawyers have the knowledge, skill, and experience to ensure you receive what you are fairly entitled to.

Your insurer may turn down your claim because it argues that you can still do your job, for example, or your application is missing documents. Our long-term disability lawyers can respond to communications from your insurance company professionally and assertively while ensuring you meet all deadlines and other requirements.

In insurance terms, “disability” is generally considered to be the lack of ability to perform your job duties. To qualify for disability insurance, the medical conditions that prevent you from working do not have to be so advanced as to stop you from accomplishing household and other tasks. These conditions could be caused by illness or injury and be physical or mental in nature. In Manitoba, 29.2% of the population 15 years and up had a disability in 2022, Statistics Canada reported.

Generally speaking, LTD comes into effect after you have exhausted other sources of coverage, such as federal Employment Insurance (EI) and short-term disability payments. LTD benefits replace a portion of your previous income while you cannot work, usually ranging from 40% to 70%.

What medical conditions could lead to an LTD claim in Manitoba?

Some illnesses and injuries often covered by LTD insurance policies in Manitoba 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..

You may be eligible to receive long-term disability benefits due to many other illnesses and injuries that are not listed above. Coverage varies widely from policy to policy. Our long-term disability lawyers can examine your insurance in detail to see if your medical issues qualify you for benefits.

What areas do our long-term disability lawyers serve in Manitoba?

Arrange a free initial consultation with our long-term disability lawyers

If you want to learn more about how we can help with your long-term disability claim, call us at 1-844-791-8202 or book your free consultation online. Once you speak with our team, we can set up a free initial consultation to learn about the details of your case and explain your options. Should you decide to retain us as your counsel, our team will start working on your claim right away. Since the window of time for you to take legal action against your insurer is limited, we encourage you to get in touch as soon as you can when you need disability benefits.

Book your free consultation today.