Saskatchewan Disability Claims
We Serve Clients in Saskatchewan
If your claim has been denied,
we can help.
Ludwar Law is a Calgary-based firm that handles long-term disability claims for Saskatchewan residents.
In June 2025, James Ludwar appeared before the King’s Bench for Saskatchewan and successfully defeated an insurer’s attempt to have a disability claim struck before it reached a full hearing.
Saskatchewan clients work with us remotely, with in-person meetings arranged as the case requires
*Past results are not indicative of future results. Each case is unique.
What We Handle in Saskatchewan
We handle long-term disability claims in Saskatchewan under both group disability plans and private disability policies. If you are unsure whether your condition or policy qualifies, the initial consultation will answer that.
Long-term disability disputes frequently involve conditions where the level of impairment is difficult for insurers to measure through standard testing. These claims are more likely to be denied and more likely to require litigation.
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.
Post-traumatic stress frequently arises in first responders, military, and workplace trauma.
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 without consistent objective markers, frequently denied.
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, including at the two-year definition change
- Group disability plans through an employer
- Private disability policies
- We do not handle motor vehicle accident claims.
Saskatchewan auto insurance operates through SGI, a government program with processes that differ from Alberta’s private insurance system. That work falls outside our practice.
Contact Ludwar Law from Saskatchewan
Calgary-based. Serving Alberta and Saskatchewan.
We respond the same business day, Monday through Friday. Free consultations are available for disability claims.
Most files resolve within an 18 to 24 month timeframe through negotiation or mediation. We prepare every case as though it may go to trial.
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.