Denied Long-Term Disability Benefits?
We Used to Work for Insurers — Now We Fight for You
If your LTD benefits were denied, delayed, or terminated early, you're suddenly left without income, medical stability, or answers. For nearly a decade, we defended insurance companies. Now we use that insider knowledge to help Albertans get the disability benefits they're owed.
Straight talk. Strong advocacy. Proven results.
Why Choose Us for LTD Claims
Insider Advantage
We used to act for insurers. We know how they deny claims.
We Handle Everything
Medical evidence, forms, appeals, litigation — all done for you.
No Income? No Problem
LTD cases are contingency-based — you pay nothing until we win.
Mental Health & Chronic Pain Claims
We know the unique challenges these files face.
Trial-Ready
If the insurer refuses to be fair, we take them to court.
Cut off or denied?
Types of Long-Term Disability Claims We Handle
Insurance Claims We Handle
LTD Denials for Physical Injuries
Chronic Pain & Fibromyalgia Claims
Mental Health LTD Claims (Depression, Anxiety, PTSD)
Chronic Fatigue Syndrome & ME/CFS
Cancer & Treatment-Related Disability
Heart, Stroke & Neurological Conditions
Autoimmune Disorders (MS, Lupus, RA)
Disability Claims for Cognitive Impairment or Concussion
Disability Buyout Negotiations
Common Reasons for Disputes
Insufficient medical evidence
No objective proof (often wrong for pain/mental health claims)
You can return to work full time
You don't meet the 'own occupation' test
You're fit for some other job
Surveillance or social-media misinterpretation
Paperwork errors or incomplete forms
IME or insurer-selected doctors contradict your physician
What to Do If LTD Is Denied
- 1
Do not appeal internally
Internal appeals rarely succeed.
- 2
Request your complete claim file
We do this for you.
- 3
Get updated medical notes
From your treatment providers.
- 4
Stop communicating
Directly with the adjuster they will use your words against you.
- 5
Speak to a disability lawyer
LTD deadlines are strict.
Denied or cut off?
Client Testimonials
See what our clients say about their experience with our firm and how we helped them through their personal injury claims.
I would highly recommend Shiv Ganesh with Wilson Laycraft for a lawyer. He is down to earth, got right to work and didn't BS around, but got to the point of the matter. He listened intensely and communicated well. He is highly knowledgeable in his field . I would DEFINITELY have him represent myself or any family member, friend or acquaintance that needed a GREAT lawyer.
D. N.
Shiv is absolutely fantastic at what he does. I was a pedestrian struck by a vehicle and he has been nothing but diligent, devoted, professional, and dedicated to get the best result possible for me. I am extremely grateful to have had him work on my case and will be recommending him whenever possible.
L. E.
My consultation with Shiv was excellent from beginning to end. He replied promptly, reviewed my paperwork ahead of time, and booked me in without any delays. The appointment itself was on time, efficient, and highly professional. I left genuinely impressed with how smooth and streamlined the entire process was.
C. W.
I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.
K. W.
LTD FAQs (Alberta)
Trusted by Albertans
for serious injury claims.
Nearly a decade of experience defending insurers — now fighting for you. Member of the Canadian Bar Association, Alberta Civil Trial Lawyers Association (ACTLA), and the Law Society of Alberta. Backed by strong testimonials and proven advocacy.
Request a
Free Consultation
We are listening.
Consultations are always free and we offer a complete commitment to our clients with no upfront legal fees unless we win.
Clear answers. Strong advocacy.
To start your free consultation, fill out the form. Or call us at 403-527-7736
SHIV GANESH
Personal Injury and Insurance Lawyer
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