Long-Term Disability Benefits

Long-term disability insurance offers a financial lifeline when unexpected health issues make it impossible to work. It’s more than just a policy; it’s an important safety net that ensures stability and peace of mind during life’s most challenging periods. However, at times long-term disability claims are unfairly denied despite the legitimacy of your condition. 

This is where the expertise of an experienced long-term disability lawyer can be immensely helpful. At Kalsi & Associates, we help you turn these denials into rightful acknowledgments. Our seasoned team of legal professionals is committed to helping you navigate the complexities of your long-term disability claim. We are ready to assist you in securing the benefits you rightfully deserve.

Contact Kalsi & Associates for a Free Consultation

Our Long-Term Disability Lawyers Are Here to Help

Various factors can lead a person to seek long-term disability benefits. Serious illness, such as chronic diseases or conditions resulting from significant injuries, are common grounds for filing long-term disability claims. 

Despite the clear need, claimants often face hurdles when their insurance company denies these claims. Reasons for denial range from discrepancies in medical documentation to perceived inconsistencies in the severity of the condition to procedural errors in filing claims, among others. In some cases, insurance companies may challenge the eligibility for Canada pension plan disability benefits or question the extent to which a condition affects an individual’s ability to work. 


A skilled lawyer can effectively navigate the intricate processes of both private disability insurance and CPP disability benefits. They help you challenge unfair denials, scrutinize the reasons provided by insurance companies, and address them with robust legal maneuvers.

At Kalsi & Associates, our lawyers have experience overcoming unfair denials. We know how to present your evidence in a manner that is compelling and how to overcome any objections the insurance company may have. Our goal is always to secure the income replacement you are entitled to according to your disability insurance coverage, thereby providing you with much-needed security in challenging times.

Reach Out For Support With Your Long-Term Disability Insurance Claim

Our extensive legal experience positions us as a steadfast source of support for individuals confronting diverse legal challenges. Renowned for our comprehensive approach and sharp legal expertise, our team prioritizes your rights and interests above all.

If you’re dealing with challenges claiming long or short-term disability benefits, or any legal issue, contact us for a free consultation. Let us guide you towards the resolution you deserve, with the personalized care and professional diligence that defines Kalsi & Associates.

Frequently Asked Questions

Long-term disability typically covers illnesses or injuries preventing work for an extended period, often over 90 days.

Yes, conditions like depression, anxiety, and post-traumatic stress disorder (PTSD) can qualify for long-term disability benefits if properly documented.

Proving it requires comprehensive medical records, doctor’s statements, and sometimes, independent medical examinations.

Some policies allow limited work, but earning too much may disqualify you from receiving full benefits.

Typically, it covers 50-70% of your salary, depending on the specific income replacement policy terms.