Long-Term Disability Benefits in Saskatchewan

Millions of Canadians, including hundreds of thousands of Saskatchewan residents, live full and happy lives despite having disabilities, often receiving considerable financial assistance from government and other sources. Nevertheless, if you were working before an illness or injury forced you to stop (or “disabled” you), even temporarily, the transition from earning your own income to long-term support payments inevitably brings challenges. Policies vary, but long-term disability (LTD) coverage usually kicks in after other, shorter-term benefits (such as Employment Insurance, or EI) have already been maxed out.

Even as your ability to make a living declines, your bills will, at best, remain steady and may in fact rise considerably due to the demands of your health situation. For example, you could require medical treatment in a community besides the one you live in, making regular trips there a necessity. If the other community is far away enough, you may even need to eat out and stay overnight each time you visit.

In Saskatchewan, just under 3 in 10 people, 29.8%, aged 15 and up have at least one disability as of 2022, according to Statistics Canada. Across Canada, the proportion of disabled is 27%, which works out to a staggering 8 million people. Considering the cases of children and young teenagers with disabilities, this figure is even larger.

Your long-term disability insurance, whether from an employer group plan or bought on your own, will typically cover a portion of your salary or other income. Other expenses that you may need insurance to pay for include housekeeping, treatment, rehabilitation, mental health support, and related travel costs such as accommodation and meals.

How can our long-term disability lawyers help if you live in Newfoundland and Labrador?

If you retain our long-term disability lawyers as your legal counsel, we can advise you on all aspects of your LTD claim process, whether you are just starting your application, your insurer has already turned down your application, or your insurance company wants to end your benefits while you still need them.

Preszler Injury Lawyers’ support for your claim could include gathering and preparing the documents that prove your disability and medical history, income level before becoming disabled, and your occupational duties.

We can also take care of any communications with your insurer, such as drafting and sending letters, keeping track of deadlines, receiving phone calls, and negotiating settlement offers on your behalf.

In addition, we have relationships with qualified doctors and other medical experts in many illnesses and injuries. They can examine you and accurately attest to your diagnosis, treatment needs, and prospects for recovery.

What conditions are covered?

Long-term disability may be payable for a very wide range of illnesses and injuries, physical or mental, as long as the condition prevents you from working. To qualify, your disability does not necessarily have to keep you from performing other day-to-day tasks. The specific coverages available to you will depend on the terms of your policy. A qualified long-term disability lawyer can explain those terms in simple language.

Some common conditions 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…

This list is not exhaustive. Talk to us to see if your condition applies.

Who and where do we serve in Saskatchewan?

Call us to take control of your LTD claim

If you have questions about your LTD claim, you can reach us by calling 1-844-791-8202 or booking your free consultation online. Preszler Injury Lawyers are happy to provide a free consultation to find out about your case and let you know your options. This call could end up making the difference between getting fair compensation and being shut out of the coverage you are entitled to. We are available to speak with you 24/7.