Your Complete Guide to Long-Term Disability (LTD) Claims in Canada – 2025 Edition

Posted on November 18, 2025 (November 18, 2025) by kotaklaw

Understanding Long-Term Disability Benefits in Canada Long-term disability (LTD) benefits provide monthly income replacement when illness or injury prevents you from working. These benefits are typically paid through group insurance policies offered by your employer or private disability policies purchased individually. LTD coverage usually replaces 60–70 percent of your regular income after the short-term disability ...

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Disability Lawyer Oshawa: Your Guide to Securing Your Benefits

Posted on November 17, 2025 by kotaklaw

Facing a disability can be one of life’s most challenging experiences. The physical and emotional toll is significant, and the added financial strain from being unable to work only makes things harder. When you need to rely on disability benefits, you expect your insurance company to provide the support you’ve paid for. Unfortunately, that doesn’t ...

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CPP-Disability vs. Private Long-Term Disability (LTD): Differences, Overlaps, and What Your Lawyer Should Know

Posted on November 13, 2025 (November 13, 2025) by kotaklaw

When illness or injury prevents you from working, you may be eligible for two types of disability benefits in Canada: 1) Canada Pension Plan Disability (CPP-D) – a federal government program, and 2) Private Long-Term Disability (LTD) – provided through an employer or individual insurance policy. Many Canadians qualify for both programs, but few understand ...

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Four Common Mistakes That Can Undermine Your Disability Claim (and What to Do Instead)

Posted on November 11, 2025 (November 11, 2025) by kotaklaw

common mistakes to avoid for disability claim

Introduction Filing for disability benefits — whether under a short-term disability (STD) or long-term disability (LTD) plan — can be stressful and confusing. A single error or delay can lead to denial or cancellation of benefits. Insurance companies look for inconsistencies and missing information, often using them to justify cutting off payments. In this post, ...

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Calgary Disability Lawyers: Free Consultation

Posted on November 10, 2025 by kotaklaw

calgary disability lawyers-blog feature image

When a serious illness or injury prevents you from working, the last thing you need is a battle with your insurance company. The disability benefits you’ve paid for are meant to provide a safety net during these difficult times. Yet, many people in Calgary find their legitimate claims unjustly denied, adding immense financial pressure to ...

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Is Social Anxiety a Disability?

Posted on November 7, 2025 by kotaklaw

For many people, the idea of public speaking, attending a crowded event, or even making a phone call can cause feelings of nervousness. But for those living with social anxiety disorder, these everyday situations can trigger intense fear and physical symptoms, making it nearly impossible to function at work and in daily life. If your ...

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Disability Lawyer Edmonton: Free Consultation

Posted on November 6, 2025 by kotaklaw

Facing a disability can turn your world upside down. Whether it’s due to an unexpected injury, a chronic illness, or a mental health condition, the inability to work adds significant financial strain to an already stressful situation. When you file a disability claim, you expect the support you need. Unfortunately, many valid claims are denied, ...

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Disability Benefits for Anxiety 2025: Your Online Guide

Posted on November 3, 2025 by kotaklaw

Living with an anxiety disorder can make everyday life overwhelming—especially when symptoms disrupt your ability to earn an income. For many Canadians, anxiety brings challenges far beyond nervousness, affecting concentration, productivity, and social interaction. If your anxiety has become a barrier to working, government or workplace disability benefits may help provide needed financial relief so ...

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Disability Benefits for Depression 2025: Your Online Guide

Posted on October 31, 2025 by kotaklaw

Depression is more than just feeling sad; it is a serious medical condition that can impact every aspect of your life, including your ability to work. If you are struggling with severe depression, you may be entitled to disability benefits to provide financial support while you focus on your health. Understanding how to access these ...

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The Cost of Hiring a Disability Lawyer: What You Need to Know

Posted on October 14, 2025 by kotaklaw

When your long-term disability (LTD) claim is denied, the financial and emotional stress can be immense. You know you need help, but the thought of hiring a lawyer often brings another worry: the cost. Many people hesitate to seek legal representation because they believe they cannot afford it, especially when their income has been cut ...

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