Long Term Disability

Programs

Long Term Disability IN canada

ACE Associates can simplify the the process, guiding you every step of the way.

Look around you

You or Your Family member is in such condition?

Contact Us

What Is Long-Term Disability (LTD)?

You didn’t ask for this — the diagnosis, the pain, the mental fog, the fear of bills piling up while your body or mind fails you. But if you’re here, it means you haven’t given up — and neither will we.

Long-Term Disability (LTD) benefits exist to protect people exactly like you: hardworking individuals who, through no fault of their own, can’t keep working due to a serious physical or psychological condition. But here’s the reality: most LTD claims are met not with compassion — but with silence, suspicion, or outright denial from insurance companies.

That’s why we do what we do.

You may qualify for LTD benefits

Who Is This For?

If your body or mind can no longer keep up with your job — even temporarily — this is for you.

You have employer-sponsored or private disability insurance.A doctor supports that your condition limits your ability to work.You’ve exhausted your short-term disability or EI sickness benefits.Your condition includes: chronic pain, cancer, injury, PTSD, anxiety, depression, MS, lupus, fibromyalgia, or other disabling issues.You don’t need to be at your breaking point to ask for help. You just need to know this: you’re not alone — and you don’t have to take on insurers by yourself.

The Claim Process — Without the Confusion

  1. Inform your employer/insurer as soon as your condition becomes work-preventing
  2. Complete your application with accurate, medically supported information
  1. We step in immediately — gathering evidence, managing deadlines, and shielding you from pressure
  1. If your claim is delayed, denied, or cut off, we appeal, negotiate, or litigate to protect your rights

You’ve lost your income — not your voice. We’ll make sure you’re heard.

Call to Action

What Really Matters in an LTD Claim?

This is more than a claim — it’s your lifeline. And we’ll guard it with everything we’ve got.

Definitions of Disability:

Not every “disability” is defined equally. We interpret the fine print — and challenge it when it’s unfair.

Credible Medical Support:

A diagnosis alone isn’t enough — your doctor’s wording must speak the insurer’s language. We’ll help bridge that gap.

Consistency is Key:

Gaps in treatment, unclear reports, or social media activity can be used against you. We help you stay protected.

Mental Health Deserves Justice Too:

Invisible illnesses are real. We know how to prove that depression, anxiety, or trauma can be as disabling as physical injury.

What You’ll Need

  • Your insurance policy details
  • Medical documentation: diagnoses, treatment plans, referrals
  • Physician statements that clearly describe how your condition impairs work
  • Employment records and income proof
  • Any communication with insurers — especially denials or delays
  • We don’t just file paperwork — we build a wall of evidence no insurer can ignore.

How Long Will This Take?

  • Initial decisions may take 30–90 days
  • If denied, appeals and lawsuits can last 6–18+ months
  • We fight for early, fair resolutions — but we’re prepared to go the distance for you
  • We never let the clock run out on your rights. 

Every hour we wait, the system wins. That’s not an option.

Scroll to Top