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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 4pm

Ludwar Law Firm

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Calgary, AB
Ludwar Law Firm

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Ludwar Law is a Calgary-based long-term disability law firm representing clients across Alberta and Saskatchewan.

Calgary-based long-term disability law firm with over 50 years of combined experience helping clients challenge denied or terminated disability insurance claims. Our disability lawyers help individuals whose disability insurance claims were denied or terminated, whether through employer group plans or private policies. With over 50 years of combined experience and a 97% success rate, we understand how insurance companies operate and how to hold them accountable. Clients receive same-day responses, regular updates, and local, face-to-face access to their lawyer. Our focus is on making the litigation process as smooth, transparent, and stress-free as possible while maximizing compensation. Schedule a confidential consultation today to protect your income and your future.

11/04/2026

Seeing Your Doctor Regularly Isn't Enough on Its Own

A claimant who sees their treating physician regularly but whose file doesn't link those visits to occupational impact can face the same denial as someone whose treatment has been inconsistent.

The connection between symptoms and the inability to work needs to be established at every stage of the file.

11/03/2026

A Few Good Hours Aren't the Same as Being Able to Work

Mental health claims are often disputed because they depend on clinical observations rather than imaging.

Insurers frequently mistake brief periods of function for a full ability to work.

The difference between the two is exactly what a disability claim has to show.

11/02/2026

Chronic Pain Conditions We Handle

Complex regional pain syndrome
Myofascial pain syndrome
Neuropathic pain
Chronic back pain
Chronic migraines
Arthritis-related chronic pain

Each condition presents unique challenges in proving functional impairment to insurers. If your claim was denied, call (403) 670-0055.

11/01/2026

Chronic Pain: Even With Imaging, Insurers May Push Back

Chronic pain claims are often denied because standard tests can't objectively verify pain severity.

Even when imaging shows physical damage, like disc degeneration or arthritis, insurers may argue the findings aren't severe enough, cite treatment gaps, or claim your functional limitations don't meet the policy threshold.

A diagnosis supports a claim. It doesn't complete one.

10/31/2026

"Invisible" Disabilities Are Still Disabilities

Many of our cases involve conditions that are harder for insurers to measure: depression, anxiety, chronic fatigue syndrome, chronic pain syndrome, fibromyalgia, neurological disorders, and brain injuries.

These cases often require litigation because insurers struggle to assess their impact on your ability to work.

We handle them regularly.

10/30/2026

Trials Are Rare in Disability Litigation. We're Prepared Anyway.

If mediation doesn't result in a fair settlement, we're ready to take your case to trial.

While trials are rare in disability litigation, we have the experience and resources to proceed if that's what it takes.

10/29/2026

What a Settlement Can Include

We negotiate with insurers to secure compensation that reflects the full value of your claim.

That includes past LTD benefits owed, future benefits, and damages for improper handling, where applicable.

Our approach is to fully assess the claim before resolving it, rather than prioritizing speed over outcome.

10/28/2026

Where Most Disability Cases Settle

Mediation is a negotiation facilitated by a neutral third party, where both sides work toward a resolution without going to trial.

Most disability cases settle here. Approximately 80% of our cases achieve a settlement within 18 to 24 months.

More complex files, especially those involving multiple policy provisions or lengthy claim histories, can take longer.

10/27/2026

Some Claim Files Run to Thousands of Pages

Some claims span a decade and contain thousands of pages.

When we start, we request your denial or termination letter, your full claim file from the insurer, your policy documents, and your medical records.

Depending on the size of your file, that review can take anywhere from a few days to several weeks.

10/26/2026

A Strong Claim Starts With Strong Medical Documentation

Strong disability claims require thorough medical documentation.

We work with your healthcare providers to make sure your file includes the evidence needed to support your case.

Address

101-429 14 Street NW
Calgary, AB
T2N2A3

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 4pm

Telephone

403-670-0055

Website

https://yourdisabilitylawyer.ca/

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