Dryden Long Term Disability Lawyer
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Contact our Dryden long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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No one is ever truly prepared for an injury or illness to take over their life. Injury-causing accidents can happen out of nowhere, regardless of how safety-conscious and attentive you are. Even people with healthy lifestyles can develop chronic illnesses or debilitating mental health disorders when they least expect it. The financial consequences of these situations can be disastrous.
Our long-term disability lawyers serving Dryden believe that eligible claimants with an appropriate level of insurance coverage should be able to receive the LTD benefits they deserve without being subjected to unfair treatment. That’s why our Dryden LTD team is committed to helping clients recover compensation for:
- Previously denied benefits
- Legal fees
- Damages resulting from the claim’s initial denial
- Punitive damages
- And possibly more
To discuss your case with our Dryden Long-Term disability lawyers and Dryden personal injury lawyers, contact Preszler Injury Lawyers today.
How to Access LTD Benefits in Dryden, Ontario
Long-Term disability (LTD) benefits typically provide recipients with between 60-70% of their regular earnings after they have received a diagnosis for a disabling medical condition. Depending on their available insurance coverage, certain people who can no longer work because of a severe injury, illness, or mental health disorder may be able to qualify for LTD benefits.
The employees of certain businesses might be able to access LTD benefits through their employer’s group insurance plan. Others may wish to pay for an insurance policy independently of their employer, and might be able to access LTD benefits through their private insurance plan. These monthly payments offer a source of stability to insurance policyholders who, through no fault of their own, cannot continue to bring home their normal wages.
Because Dryden is a smaller community in Northwestern Ontario, many residents must travel long distances for specialist appointments in places like Thunder Bay or Winnipeg. LTD benefits can be crucial in covering not only everyday bills but also out-of-pocket costs for travel, accommodations, and extended treatment while you are unable to perform the duties of your job. For some people living with a disability, LTD benefits are the only significant source of income they have.
completing the insurer’s forms, asking your employer to complete an employer statement, and having your family doctor or specialist complete an attending physician statement.
Small differences in wording, missing medical details, or delays in paperwork can sometimes lead to denials or requests for more information, which is why many people find it helpful to speak with a lawyer early in the process or after a first denial.
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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.
Our team is available 24/7 to speak with you.
Why Are Dryden Long-Term Disability Claims Denied?
Unfortunately, not all claims for LTD benefits are initially approved by insurance providers. In fact, insurance companies might decide to deny an applicant’s claim for LTD benefits even if they provide their insurer with medical evidence that sufficiently illustrates the severity of their medical condition and its inhibiting effects on their ability to perform the duties of their job.
Some justifications that insurers provide to denied claimants include:
- Insufficient supporting medical evidence was included in the application
- That the claim was filed late, past the requisite deadlines
- That there is no objective evidence of disability (often the case with “invisible” injuries or illnesses)
- The medical condition does not meet the insurance policy’s definition of “disability.”
- The policy includes contractual stipulations (often excluding pre-existing conditions) that disqualify a claimant’s application
- The claimant refused to undergo an independent medical examination (IME)
- And more
How Our Dryden Long-Term Disability Lawyers May Be Able To Help Injured Clients
Our Dryden long-term disability lawyers have experience helping mistreated insurance policyholders pursue the income replacement payments they are rightfully owed. By taking advantage of a free initial consultation with our long-term disability lawyers serving Dryden, you can receive personalized feedback on your case for absolutely no charge.
If we are able to assist with your LTD matter, we can:
- Explain your policy wording in clear language, including how “own occupation” and “any occupation” definitions apply to your job in Dryden.
- Review your medical records and, where appropriate, work with your healthcare providers to address gaps or inconsistencies the insurer may be relying on.
- Discuss the difference between internal appeals and lawsuits, and help you understand which route may be more effective in your circumstances. In many cases, starting a lawsuit is necessary to truly challenge a denial and move the claim toward resolution.
- Coordinate your LTD case with any related car accident, slip and fall, or catastrophic injury claims you may have in Dryden, so that your overall legal strategy takes all sources of compensation into account.
- Connect you with educational resources, such as Preszler’s free ebooks about long-term disability claims in Ontario
- And more
Call Our Dryden LTD Lawyers And Receive A Free Initial Consultation
Our Dryden Long-Term disability lawyers have experience helping mistreated insurance policyholders recover the income replacement payments they are rightfully owed. By taking advantage of a free initial consultation with our Long-Term disability lawyers serving Dryden, you can receive personalized feedback on your case for absolutely no charge.
To discuss options for financial recovery that might be available to you, call 1-800-JUSTICE and speak with our Dryden Long-Term disability lawyers today.
Do you live in Dryden? Here’s how we can help:
Proudly Canadian
Award Winning Personal Injury Law Firm
We are proud to be one of Canada’s oldest and long-standing personal injury law firms. Since 1959, we have been providing exceptional legal services and have established ourselves as leading personal injury lawyers in the Canadian legal community. It’s not just the awards that recognize our achievements, but also the wins we’ve achieved for thousands of Canadians with their long-term disability claims.
Case Results
long-term disability Settlements
Please note that past results are not indicative of future results as each scenario presents itself with its unique set of circumstances. But here are some long-term disability related wins we’ve had for our clients.
More long-term disability Topics
Here’s more information on long-term disability related topics that we think you might find helpful.
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January 21, 2026
Understanding the “Own Occupation” Clause in Long-Term Disability Insurance Benefits
The “own occupation” clause in long-term disability insurance defines a period, usually the first two years of a claim, where benefits are paid if you…
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January 21, 2026
What Happens When Your LTD Benefits Are Terminated After Years of Approval?
When long-term disability (LTD) benefits are terminated after years of approval, it usually signals that the insurance company believes you no longer meet the specific…
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January 21, 2026
Appealing an LTD Denial: Step-by-Step Timeline and What to Expect
Appealing a long-term disability (LTD) denial involves a structured process that starts with notifying the insurer of your intent to appeal and typically concludes with…
Download Our "Long-Term Disability Appeals" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you’ll learn:
- The difference between an internal appeal and a lawsuit
- How the LTD appeals process typically works in Ontario
- What evidence you can gather to strengthen your appeal
- How to respond to insurance company requests and other tactics they might use
- What deadlines may apply to your appeal
- The benefits of working with an LTD lawyer when you need to appeal your denied claim
- And more
Download Our "I’m Approaching Change of Definition" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
This ebook will help you:
- Understand what “change of definition” means when it comes to LTD policies
- Learn when this shift typically occurs and how it might affect your eligibility
- Know what evidence you can collect to support your continued claim
- Identify warning signs that a denial or termination might be coming
- Explore your legal options when your insurer cuts off your benefits
- Discover how a long-term disability lawyer can advocate for your rights
- And more
Download Our "Denied Long-Term Disability Benefits" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you’ll learn:
- Common reasons why long-term disability claims are denied in Ontario
- What to do immediately after receiving an LTD denial
- The difference between appealing a denial and filing a lawsuit against your insurer
- How to gather strong medical and occupational evidence to support your claim
- What deadlines apply to LTD claim disputes
- How our long-term disability lawyers can help you build a strong case
- What compensation you may be entitled to
- And more
Download Our "Applying for Long-Term Disability Benefits" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you can read about:
- Who qualifies for LTD benefits in Ontario
- How to effectively complete your LTD application package
- What medical and employment documentation you need to collect
- How insurance companies evaluate LTD claims
- Tips to avoid common errors that may lead to delays or denials
- What to do if your claim is denied
- How our long-term disability lawyers can support your application
- And more
More long-term disability Video Resources
We also have some videos on the topic of long-term disability claims
long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
Can I appeal a CPP Disability denial?
Yes, CPP denials can be appealed through the Social Security Tribunal, which reviews applications and medical evidence.
What if my doctor doesn’t support my disability claim?
You may seek a second opinion from another qualified physician to provide additional evidence.
Can the insurance company cut off my benefits without notice?
Insurers may stop benefits if they believe you no longer meet the disability definition, but they must provide reasons.
Will my employer know about my disability claim?
Employers usually only know that you’re receiving LTD benefits, not the details of your medical condition.
What happens if I’m approved for CPP Disability benefits?
Your LTD insurer may deduct CPP benefits from your LTD payments. Approval for CPP Disability may strengthen your LTD case.
Can I work part-time while receiving long-term disability benefits?
Sometimes, policies allow partial benefits if you can work reduced hours. The rules depend on your policy language.
Can my LTD benefits be taxed?
Taxation depends on whether your premiums were paid with pre-tax or after-tax income. If your employer paid the premiums, your benefits may be taxable.
What if my employer terminates me while on disability?
Employment termination doesn’t automatically cancel your LTD benefits. Your coverage may continue as long as you were covered when you became disabled.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN DRYDEN?
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Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.