Long-Term Disability Claims in Alberta
Your Insurer Has a Strategy. So Should You.
Ludwar Law is a Calgary-based firm representing individuals across Alberta whose long-term disability claims have been denied or terminated. Our founding lawyer, James Ludwar, has been building disability cases since 1996. What sets this firm apart is a perspective no other plaintiff practice in Alberta can currently offer: direct knowledge of how insurers handle these files from the inside.
*Past results are not indicative of future results. Each case is unique.
Fort McMurray and Northern Alberta
Workers in Fort McMurray and the oil and gas sector are among the highest-earning wage earners in the country, typically in physically demanding occupations. When someone in this situation becomes disabled and their claim is denied or terminated, the financial loss is severe and long-term.
There are few comparable-paying alternatives for a person who has built a career in physical labour. We handle these files and understand the particular issues that arise in high-income, physically demanding occupations, including what a file of this kind is worth.
What We Handle in Alberta
We represent Alberta claimants whose long-term disability claims have been denied at application and those whose benefits have been terminated, including at the two-year definition change.
Many of the claims we handle involve conditions that are harder for insurers to objectively measure. These are more frequently disputed and more frequently require litigation to resolve.
One of the most commonly denied invisible disabilities in long-term disability claims.
Anxiety, mood disorders, and other psychological conditions that insurers struggle to quantify.
Psychological trauma frequently arising in first-line responders and military personnel.
Persistent pain conditions that are subjective by nature and routinely challenged by insurers.
Fatigue-based conditions where the level of impairment is difficult to capture in standard testing.
Widespread pain and fatigue often lacking consistent objective markers.
Severe and recurring headaches that can prevent sustained employment.
Cognitive impairments including brain injuries that affect the ability to perform work tasks.
Claim Types
- Long-term disability claims denied at initial application
- Benefits terminated after a period of payment
- Two-year definition change disputes
- Group disability plans through an employer
- Private disability policies
- Pre-existing condition denials
Representing Claimants Across Alberta
Calgary-based. Serving Alberta and Saskatchewan.
Ludwar Law represents individuals whose long-term disability claims have already been denied or terminated by their insurer. We do not file initial claims, and we do not handle workers’ compensation (WCB), AISH, family law, or employment law matters.