Calgary Disability Lawyers

Denied Disability Benefits in Alberta? We’re Here to Help.

Has your insurance company (i.e. Manulife, Sun Life, Desjardins, etc.) denied your long-term disability claim? If you can’t work due to illness or injury, and your benefits were denied, we’re here to help. Dealing with stress around health, finances, and uncertainty about the future is challenging – but you don’t have to face this alone.

At Litco Law, we understand how difficult this time can be. We’ve helped thousands of clients in Calgary and throughout Alberta with the long-term disability claim process, and we’re here to help you too. Our team will take on the legal burden so you can focus on what matters most: your health and recovery.

Contact us to speak with our legal team for free and get answers to your questions about long-term disability claims.

What We Can Help With

Our Calgary legal team can provide assistance with long-term disability insurance claims involving private insurance policies, including:

• Critical Illness Claims — If you’ve been diagnosed with a serious condition covered under a Critical Illness policy, you may be eligible for a lump sum payment. We can step in when insurers deny claims based on narrow definitions or technicalities.

Example:

Jason is diagnosed with a form of cancer listed under his Critical Illness coverage. His insurer argues the diagnosis doesn’t meet the exact wording in the policy. A disability lawyer would step in to challenge the denial, gather supporting medical evidence, and push for the payout Jason is entitled to.

• Employer-sponsored benefit plans — If your LTD coverage is provided through your job, we can help you navigate the claim process and fight back against unfair denials.

Example:

Sarah, a marketing manager, was diagnosed with fibromyalgia and could no longer maintain her full-time work schedule. Her employer’s insurance provider claimed she didn’t meet the definition of “totally disabled.” A disability lawyer would gather strong medical evidence to help appeal the denial and fight for the benefits she deserves.

• Union benefit packages — We understand the complexities of union-backed insurance plans and can advocate for the benefits you’re entitled to.

Example:

Colin, a unionized transit worker, developed severe carpal tunnel syndrome that made it impossible to perform his duties. His insurer insisted he could do “other work” despite his union position being highly specialized. A disability lawyer could step in to challenge the denial and ensure his policy terms are properly upheld.

• Personal or individually purchased long-term disability insurance — If you bought your own policy, we can review the terms and stand up to your insurer when they fail to deliver on their promises.

Example:

Lisa, a self-employed graphic designer, had an individual LTD policy to protect her income. After a cancer diagnosis, her insurer delayed payment and requested excessive documentation. A disability lawyer could manage communications with the insurer and push to have the claim approved.

Need Other Help With Disability Benefits?

At Litco Law, we focus on helping people with disability insurance claims. If you’re looking for support with one of the following programs, the process is different, but there are still resources that you can take to get help. Here’s a bit more information to help you get started in the right place:

• Canada Pension Plan (CPP) Disability – This is a federal program with its own application and appeal process. You can find helpful resources and apply directly through the Government of Canada.
• Assured Income for the Severely Handicapped (AISH) – A provincial program offered in Alberta. You can apply or find eligibility information through the Government of Alberta’s website.
• Workers’ Compensation Board (WCB) Claims – These are handled separately through WCB Alberta. If your injury happened at work, they’re your go-to resource.
• Disability Tax Credit (DTC) – This is a federal tax credit for those living with a severe and prolonged impairment. The Canada Revenue Agency provides guidance on how to apply.

If you’re unsure what category your claim falls into, or if a long-term disability claim might apply to your situation, we’re here to help. Contact us today for a free consultation.

Why Was My Disability Insurance Claim Denied?

“While disability insurers attempt to base their denials on medical evidence, often times they are simply playing the odds – they know that many people will simply walk away from the claim process without a fight, even though they are entitled to benefits according to the terms of the policy.”

– Joshua D. Haase, Long Term Disability Lawyer, Litco Law

We understand how insurance companies work in Alberta, we know their tactics, and we know how to fight back.

How Our Long-Term Disability Lawyers Can Help With Your Claim

Wondering how our legal team at Litco Law can help with your disability claim? When you choose Litco Law, we:

• Handle all communication with your insurer — from the moment we take on your case, we manage all correspondence to relieve you of the stress and worry.
• Work with your doctors to build strong evidence — medical support is key to winning a claim, and we coordinate with your healthcare providers to get the documentation you need.
• Protect your rights every step of the way — we act as your advocate, ensuring you’re treated fairly and legally by the insurance company.

You don’t have to fight this alone. We’re here for you.

What Medical Conditions Qualify for Long-Term Disability in Alberta?

We’ve helped many Albertans with long-term disability claims involving a wide range of conditions, such as:

• Anxiety, depression, and psychiatric illnesses — mental health conditions can be just as disabling as physical ones, and we believe in fighting for those affected.
• Chronic pain, fibromyalgia, and nerve disorders — these often “invisible” illnesses are frequently misunderstood, misdiagnosed, or minimized by insurers.
• Cancer, cardiac issues, diabetes — serious health conditions can drastically impact your ability to work, especially when you’re undergoing treatment.
• MS, Parkinson’s, ALS, rheumatoid arthritis — many disability claims involve progressive and long-term neurological and autoimmune conditions.
• Vision issues, back or neck injuries, and more — whether caused by accident or illness, we can help if your condition prevents you from working.

If your condition impacts your ability to work, we may be able to help. It won’t cost you anything to speak with our legal team. Contact us today for free.

Why Choose Litco Law?

You’ve got enough to worry about when managing a condition that’s debilitating—dealing with your disability insurance claim shouldn’t add to the stress. At Litco Law, we combine experience, empathy, and clear communication to make legal help feel… well, helpful.

• No hourly rates, no surprises
  We don’t bill by the hour, and you don’t pay a cent unless we win your case.
• We’ve been doing this for decades
  Our team knows the ins and outs of disability claims and how to deal with insurance companies that say “no.”
• People love working with us

With hundreds of 5-star Google reviews, our clients say it best. We’re proud to be known for our care, responsiveness, and great results.

• You’ll always know what’s going on
  We’ll respond within 24 hours, and you’ll hear from us regularly (at least every 30 days, if not sooner). No ghosting. Ever.

Get to Know Our Calgary Legal Team

Our team of lawyers is skilled, supportive, and easy to talk to. We’re here to make the legal process feel less overwhelming—and we bring the knowledge and compassion to truly understand what you’re going through.

Testimonials

“Felt listened to, great communication from staff throughout my entire process.” – Kelly 

“Amazing staff, super friendly and knowledgeable. Would definitely recommend them to anyone that was looking for legal assistance.” – Aaron  

“I had an amazing experience with Litco law. From the moment I reached out, their customer service team was professional, friendly, and extremely helpful. They went above and beyond to ensure my questions were answered and that I had a smooth experience.” – Gyzel  

“Very professional and approachable service, kind and helpful people” – Hannah 

Frequently Asked Questions

How do I know if I qualify for long-term disability benefits?

If you have a private long-term disability (LTD) policy—through your employer, union, or one you purchased yourself—and your condition prevents you from working, you may qualify. We can review your policy and let you know where you stand.

What should I do if my LTD claim was denied?

Don’t panic—and don’t give up. Insurance companies often deny valid claims. The best first step is to reach out to a lawyer who can review the denial so you know where you stand. If the lawyer determines that you qualify for a disability claim, they can help you build a strong appeal.

Can I afford a long-term disability lawyer?

You won’t pay anything upfront—we don’t bill by the hour and you won’t pay anything while your claim progresses. We work on a contingency basis, which means our fee is a percentage of your settlement and is only paid if we win your case. No win, no fee.

That percentage can vary depending on the complexity of your claim, but we’ll always explain the costs clearly before you decide to hire us. During your claim, costs may arise for things like medical reports, filing, payment to the courts, etc. These are called disbursements. We cover theses costs while your case is ongoing, so you’re not hit with any unexpected legal bills.

Can I apply for LTD and still work part-time or in a different job?

It depends on your policy. Some allow partial disability benefits if you can work in a limited capacity, but others don’t. We can help you figure out your options.

What conditions qualify for long-term disability?

Physical injuries, chronic illnesses, mental health conditions, and more can all qualify—what matters is how your condition impacts your ability to work. If you’re unsure, we would be happy to assist. We can help you determine if you are eligible for disability benefits. Contact us today speak with our legal team for free.

Do I need a lawyer to appeal a long-term disability denial?

Technically, no—but it can make a huge difference. Insurers have teams of people reviewing your claim. Having a lawyer levels the playing field and gives you the best shot at successfully appealing a denied insurance claim.

Still have questions about long-term disability claims in Alberta?

You don’t have to figure this out alone. Whether your disability claim was denied or you’re just not sure where to start, we’re here to help.

Contact us today to book your free consultation today and get all the answers you need.