Windsor Long Term Disability Lawyer

A chronic illness or serious injury can disrupt every aspect of your life, but the stress multiplies when the safety net you relied on fails. You paid your premiums, followed your doctor’s orders, and expected your long-term disability (LTD) insurance to be there when you needed it most.

Instead, you face a denial letter, confusing paperwork, and the terrifying prospect of financial instability, all while being unable to work in Windsor.

At Preszler Injury Lawyers, we understand the profound impact a denied disability claim has on individuals and families in Windsor and Essex County.

Insurance companies often prioritize their profits over your well-being, using complex policy language and bureaucratic hurdles to delay or deny valid claims. Our purpose is to level the playing field, providing the strong legal advocacy you need to challenge these unfair decisions and secure the benefits you are owed.

You do not have to fight the insurance company alone. A Windsor long-term disability lawyer from our firm is ready to review your policy, explain your rights, and build a strategy to get your claim back on track.

Contact Preszler Injury Lawyers online or at (888) 608-2111 today for a free, no-obligation consultation to discuss your case.

Key Takeaways About How a Windsor Long-Term Disability Lawyer Can Help

• Challenging unfair denials: Insurance companies often deny claims based on insufficient medical evidence or surveillance. A lawyer can help you gather the necessary proof to appeal a denied long-term disability claim in Windsor and demand a fair review.
• Understanding the “Change of Definition”: Most LTD policies shift the definition of disability from “own occupation” to “any occupation” after two years. We help clients navigate this critical transition to protect their ongoing benefits.
• Local representation matters: Whether you worked at a major employer like Stellantis or a smaller local business, we understand the specific disability insurance landscape in Southwestern Ontario and how to handle disputes with major insurers.
• Recovering past and future benefits: A successful legal claim can recover retroactive benefits (money you should have been paid) and secure reinstatement of future monthly payments or a lump-sum settlement.
• No upfront legal costs: Our firm operates on a contingency fee basis for LTD cases. You pay no legal fees unless we successfully recover compensation for you, removing the financial risk of fighting a 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.

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Why Choose Preszler Injury Lawyers in Windsor For Your Long-Term Disability Insurance Claim Denial?

Since 1959, Preszler Injury Lawyers has been a trusted advocate for Canadians, earning a reputation for standing up to insurance companies and fighting for fair outcomes. We believe in a client-first approach. Every disability claim represents a person whose life has been disrupted.

Our LTD claim denial lawyers in Windsor take the time to understand your unique circumstances, the challenges you face, and the impact your condition has on your ability to work. This enables us to develop a tailored legal strategy that aligns with your unique needs and objectives.

Preszler Injury Lawyers has successfully helped numerous clients challenge denied claims, recover retroactive benefits, and secure settlements that provide long-term financial stability. When you work with us, you gain a dedicated legal team committed to protecting your rights and helping you move forward with confidence.

Call (888) 608-2111 or message a Windsor long-term disability insurance claim denial lawyer online to start your legal journey towards justice.

Why Legal Representation Matters When a Long-Term Disability Insurance Claim Is Denied in Windsor

Facing a denied long-term disability claim without legal support can leave you feeling stuck, frustrated, and unsure of what to do next.

Many claimants unknowingly make mistakes early in the process that weaken their case, such as missing deadlines, providing incomplete documentation, or accepting the insurer’s reasoning without question.

These missteps can delay or even jeopardize your access to the benefits you need:

• Confusing denial letters: Insurers often use vague or technical language to justify a denial, leaving claimants unsure of how to respond. We break down these letters, identify what’s missing, and build a strong case to challenge the decision.
• Unfair surveillance tactics: Insurance companies may use surveillance or social media monitoring to discredit your claim. Without legal guidance, it’s easy to feel intimidated or unsure of how to counter these tactics. We provide the evidence and context needed to protect your credibility.
• Missed deadlines: Strict timelines for appeals or lawsuits can catch claimants off guard, especially when they’re focused on their health. We manage all deadlines to keep your claim moving forward.
• Lowball settlement offers: Insurers may pressure you to accept a quick payout that doesn’t reflect the full value of your claim. We calculate the true worth of your benefits, including future payments, and negotiate for a fair resolution.
• Disputes over your ability to work: Insurers often argue that you can still perform some type of work, even if it’s not your previous job. We collaborate with medical and vocational experts to demonstrate how your condition affects your ability to earn a living.

Our Windsor long-term disability lawyers are here to take on the insurance company, advocate for your rights, and help you secure the financial support you need to move forward.

When Should You Get Legal Help with an LTD Insurance Claim in Windsor?

If your long-term disability claim has been denied or your benefits were terminated, you have the right to seek legal help. Eligibility for a legal claim typically revolves around the terms of your specific insurance policy and the medical evidence supporting your inability to work.

Whether you have coverage through a group plan at work or a private policy, the core issue is proving you meet the policy’s definition of “disabled.”

To determine if we can help with your disability insurance dispute, we will look at:

• Are you covered by an LTD policy? We review your employment benefits package or private insurance contract to confirm your coverage details.
• Does your condition prevent you from working? You must be unable to perform the substantial duties of your job (during the “own occupation” period) or any job you are qualified for (during the “any occupation” period).
• Do you have medical support? Regular treatment and support from your doctors are crucial. We help gather medical records that clearly document your restrictions and limitations.
• Have you been denied or had your benefits cut off? If the insurance company has officially rejected your claim or stopped payments, it is time to involve a lawyer.

Even if you have not yet applied, we can provide guidance on how to file a disability claim application in Windsor to minimize the risk of an initial denial.

A free consultation with our Windsor long-term disability lawyers can clarify your position and provide actionable advice on your next steps.

Types of Long-Term Disability Insurance Denial Cases We Handle in Windsor

Disabilities can take many forms, and insurance policies often cover a wide range of medical conditions.

Unfortunately, claims are frequently denied due to insufficient evidence, stigma, or misinterpretation of policy terms. Our firm has extensive experience handling both physical and invisible disabilities, building strong cases with the medical and vocational evidence needed to challenge denials.

We provide legal representation for a variety of cases, including:

• Chronic pain and fibromyalgia: Claims involving chronic pain are often denied because pain is subjective and difficult to measure. We know how to present compelling evidence for conditions like fibromyalgia and complex regional pain syndrome (CRPS).
• Mental health disorders: Depression, anxiety, PTSD, and bipolar disorder are leading causes of disability but are often misunderstood or stigmatized by insurers. We advocate for clients with mental health claims, ensuring their conditions are taken seriously.
• Musculoskeletal injuries: Severe back problems, arthritis, and other orthopedic injuries can limit mobility and endurance. We help clients prove how these conditions impact their ability to work.
• Neurological conditions: Multiple sclerosis (MS), Parkinson’s disease, and the long-term effects of stroke or traumatic brain injuries often require detailed medical evidence. We work to demonstrate the full extent of these conditions.
• Autoimmune diseases: Conditions like lupus, rheumatoid arthritis, and Crohn’s disease can cause debilitating fatigue and unpredictable symptoms. We help clients show how these conditions affect their work consistency.
• Long COVID: As this condition becomes more recognized, we assist clients in proving the lasting effects of COVID-19 on their ability to work.

If your illness or injury prevents you from working, our Windsor long-term disability lawyers are here to help you challenge unfair denials and fight for the benefits you need.

LTD Claim Benefits We Seek at Preszler Injury Lawyers

When we challenge a disability denial, the goal is to restore the financial support you need to live.

While LTD benefits do not typically replace 100 percent of your income, they are a critical lifeline. That said, many policies may be able to replace a significant portion of your pre-disability earnings.

Through a successful legal claim or negotiated settlement, we may be able to recover:

• Retroactive benefits: This is a lump sum payment covering all the monthly benefits you missed from the date your claim was denied up to the present.
• Reinstatement of future benefits: We can fight to have the insurance company resume your monthly payments moving forward, for as long as you remain disabled under the policy terms.
• Lump-sum settlement: In many cases, instead of reinstating monthly payments, the insurer may agree to pay a lump sum to “buy out” the policy. This covers past benefits and a portion of future benefits, ending the relationship with the insurer.
• Pre-judgment interest: You may be entitled to interest on the past-due benefits the insurance company withheld.
• Legal costs: In a lawsuit, we often seek a contribution from the insurer toward your legal fees.
• Aggravated or punitive damages: In rare cases where the insurance company acted in bad faith, causing you mental distress, courts may award additional damages to punish their conduct.

Our Windsor firm for LTD settlements and appeals works diligently to maximize the financial outcome of your case, whether that means getting you back on a monthly payment schedule or negotiating a comprehensive buyout.

Long-Term Disability Lawyer FAQs

Can I appeal a denial without the assistance of a lawyer?

Internal appeals are often reviewed by the same department that denied you in the first place and are frequently unsuccessful. Hiring a lawyer allows you to bypass this cycle of internal rejections and commence a legal claim, which often puts more pressure on the insurer to resolve the dispute fairly.

How long does an LTD lawsuit take?

Timelines vary depending on the complexity of the case and the insurer’s willingness to negotiate. If a case goes to trial, it can take longer to resolve. We work to move your case forward as efficiently as possible while refusing to settle for less than you deserve.

What if my doctor says I’m disabled, but the insurance company disagrees?

Insurance companies often hire their own “independent” medical examiners to review your file or assess you briefly, often contradicting your treating physician’s long-term findings. We combat this by obtaining detailed reports from your doctors and, if necessary, hiring independent specialists to provide an objective assessment of your disability.

Can I receive CPP Disability and LTD benefits at the same time?

Most LTD policies contain an “offset” clause. This means the insurance company can deduct the amount you receive from the Canada Pension Plan (CPP) Disability program from your monthly LTD payment. However, qualifying for CPP Disability can actually strengthen your LTD case, as it is a federal recognition of your severe and prolonged disability.

What happens if the insurance company stops paying my benefits after two years?

This typically occurs because the definition of disability shifts from “own occupation” to “any occupation.” We help clients challenge these terminations by proving that their restrictions prevent them from performing any gainful employment, not just their old job.

Contact Our Windsor Long-Term Disability Lawyers For a Free Case Evaluation

If your world has been turned upside down by a disability denial, you need a legal team that is ready to fight for your future.

At Preszler Injury Lawyers, we are committed to helping residents of Windsor and Essex County secure the financial lifeline they were promised. Let us handle the legal battles so you can prioritize your health and family.

Taking action is simple and carries no financial risk. Your initial consultation is always free, and we only get paid if we win your case. We are here to answer your questions and provide a clear path forward.

Call Preszler Injury Lawyers 24/7 at (888) 608-2111 or fill out our online form to schedule your free consultation with a Windsor long-term disability lawyer.

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LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN WINDSOR?