Long-Term Disability Benefits in Prince Edward Island

When an injury or illness stops you from working, you may qualify for long-term disability (LTD) benefits from your insurer. Your LTD insurance could be the key to keeping your head above water in a difficult time, but frequently the claims process is less straightforward than clients hoped.

Prince Edward Island is the smallest of Canada’s provinces, both geographically and by population. Even so, its residents are not at all immune to the hazards of everyday life and therefore the challenges of disability. Out of P.E.I.’s roughly 180,000 people, 31.8% of those aged 15 and up had at least one disability in 2022, Statistics Canada found.

According to the same Statistics Canada report, out of all conditions tracked, disabilities related to mental health, pain, and sight increased the most in Canada in the period from 2017-22.

You may have health insurance from your employer or a policy you bought yourself that includes LTD coverage. Generally speaking, LTD benefits are payable when you have a health condition that disables you from performing your job duties. A wide range of conditions could qualify, either physical or mental. LTD benefit payments are based on a pre-defined portion of your previous earnings, usually ranging from 40% to 70%, though the percentage as well as the terms of coverage can vary widely from policy to policy.

LTD typically does not take effect until other coverage, such as short-term disability and government benefits (EI, for example), have run out.

How can our long-term disability lawyers help if you live in Prince Edward Island?

If you are applying for LTD benefits or your insurer wishes to cut them off or has denied your claim, we invite you to contact Preszler Injury Lawyers for a free consultation. Our firm is dedicated to ensuring insurance claimants are treated fairly.

Our roster of long-term disability lawyers are experienced advocates at trial, although their support of clients extends far beyond the courtroom. Some were formerly counsel for insurance companies, deepening their knowledge of the tactics that insurers use to minimize payouts or deny them outright. Insurers may determine that your application was incomplete. They may also say your illness or injury is not severe enough to stop you from working. They may pressure you to return to your job prematurely.

As your counsel, we can handle all communications with your insurer and bring in qualified health professionals to diagnose you. We will maintain regular and open communications with you, too. Meanwhile, you can concentrate on getting better and making any life changes your disability might require.

Conditions that may qualify you for long-term disability benefits 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..

However, this list is not exhaustive and your illness or injury may also qualify. We can look at your policy in detail to give you a better idea of the benefits available to you.

Who do we serve in Prince Edward Island?

Contact Preszler Injury Lawyers for help with your long-term disability claim in Prince Edward Island

Your well-being is You can reach us at 1-844-791-8202 for more information and to book a free initial consultation. Preszler operates strictly on a contingency fee basis, so you will never have to pay us unless we secure compensation for you, whether in a settlement or trial. We look forward to learning more about your case and finding out what we can do to help.