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.

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Straight talk. Strong advocacy. Proven results.

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Why Choose Us for LTD Claims

Insider Advantage

Insider Advantage

We used to act for insurers. We know how they deny claims.

We Handle Everything

We Handle Everything

Medical evidence, forms, appeals, litigation — all done for you.

No Income? No Problem

No Income? No Problem

LTD cases are contingency-based — you pay nothing until we win.

Mental Health & Chronic Pain Claims

Mental Health & Chronic Pain Claims

We know the unique challenges these files face.

Trial-Ready

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?

What to Do If LTD Is Denied

Client Testimonials

See what our clients say about their experience with our firm and how we helped them through their personal injury claims.

Five-star review rating

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.

Five-star review rating

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.

Five-star review rating

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.

Five-star review rating

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.

Five-star review rating

I recommend Shiv for his professional and honest legal counsel. He provided me with a clear and thorough insurance coverage opinion during a very difficult time, ensuring I understood exactly where I stood. I truly appreciated their straightforward communication, compassion, and fairness regarding my legal fees

Rami H

Five-star review rating

Working with Shiv and his team was a great experience. They explained everything clearly, handled the insurance process from start to finish, and always kept me updated. Professional, responsive, and easy to work with. I'd strongly recommend them to anyone needing help with an injury or insurance claim.

Mohand Shhadeh

Five-star review rating

I had a very positive experience with Shiv and his team. They made the process easy to understand, handled the paperwork and insurance issues, and were always quick to respond. Great service and highly recommended.

Marinka Avramovic

Five-star review rating

I hired Shiv for a very complex insurance matter with major liability risk. Within 90 days of taking over the file, he broke down the issues, developed a clear strategy, and significantly reduced the potential exposure. His work has likely saved me hundreds of thousands of dollars. Shiv is efficient, proactive, and knows how to handle high-stakes insurance disputes. I highly recommend him.

Wuilly Archila

Five-star review rating

Shiv is an absolutely fantastic lawyer and did not leave any stone unturned. He was methodical in approach and frequently showed us why his experience, professionalism, along side his reputation and network, was of exemplary standards. He really surpassed my expectations and I owe so much gratitude today for my family's wellbeing.

Daniel Gounder

Five-star review rating

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.

Kasun Warnakulasooriya

Five-star review rating

I worked with Shiv and Candace through a car accident/injury claim that had some complexities relating to apportionment and liability disputes. They were exceptionally helpful and made sure to maximize the compensation, providing support along the way. If you have an accident claim and need legal assistance in the Lethbridge area, I would definitely reach out to Shiv and his team.

Brett Clifton

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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.

The Canadian Bar Association
The Law Society of Alberta
The Alberta Civil Trial Lawyers Association
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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.

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Call us at 403-527-7736 Or Text us at 403-527-7736

Shiv Ganesh

SHIV GANESH

Personal Injury and Insurance Lawyer

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Long-Term Disability Lawyer in Alberta | Insurance Dispute Lawyer