Ludwar Law Firm

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Ludwar Law Firm 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.

The Insurer Was Deducting More Than the Contract Allowed.A woman in her mid-50s receiving long-term disability benefits ...
10/19/2026

The Insurer Was Deducting More Than the Contract Allowed.

A woman in her mid-50s receiving long-term disability benefits believed her insurer was wrongfully deducting more Canada Pension Plan benefits than it should. We reviewed her policy and found discrepancies between what the contract said and what the insurer was doing.

We launched a lawsuit. The settlement included full reimbursement for our client, full reimbursement for another claimant affected by the same wrongful deduction, and an agreement from the insurer to stop deducting the benefits in question.

The insurer also paid 100% of our legal fees.

Every disability claim is unique. Results depend on individual policy terms, medical evidence, and specific circumstances.

17 Years on Benefits. Then the Insurer Terminated Them.A female professional had been receiving long-term disability ben...
10/18/2026

17 Years on Benefits. Then the Insurer Terminated Them.

A female professional had been receiving long-term disability benefits for 17 years when the insurer conducted document reviews and investigations, alleged she was capable of appropriate work, and terminated her benefits.

We reviewed the file and found several errors the insurer made during the termination process.

The result: a seven-figure lump-sum settlement prior to trial.

Every disability claim is unique. Results depend on individual policy terms, medical evidence, and specific circumstances.

"Own Occupation" Coverage to Age 65Some private disability policies include ""own occupation"" coverage to age 65. That ...
10/17/2026

"Own Occupation" Coverage to Age 65

Some private disability policies include ""own occupation"" coverage to age 65. That means you keep receiving benefits as long as you cannot perform your specific profession, even after the two-year mark.

Professionals, including doctors, dentists, and executives, often purchase individual policies with higher benefit amounts and more favourable terms.

Group plan or private policy, we represent individuals across both.

She Went Back to Work Part-Time. The Insurer Said That Ended Her Claim.A woman in her late 40s was wrongfully denied ben...
10/16/2026

She Went Back to Work Part-Time. The Insurer Said That Ended Her Claim.

A woman in her late 40s was wrongfully denied benefits. After she retained us and we filed a lawsuit, she returned to the workforce part-time, in a role that paid substantially less than her previous occupation.

The insurer then brought a summary judgment application, asking the court to rule she was no longer entitled to benefits because she was earning over $60,000 per year part-time.

We fought the application and settled the file for a six-figure lump-sum payment.

Every disability claim is unique. Results depend on individual policy terms, medical evidence, and specific circumstances.

Short-Term vs. Long-Term Disability: Where Disputes Actually HappenShort-term disability typically covers the first few ...
10/15/2026

Short-Term vs. Long-Term Disability: Where Disputes Actually Happen

Short-term disability typically covers the first few months, often up to 17 weeks or six months, depending on the policy. Long-term benefits begin after that and can continue for years, often until age 65.

Short-term claims are rarely litigated. Long-term claims, especially those involving the two-year definition change, are far more likely to be disputed.

Don't Wait Until the Deadline Is CloseContact a long-term disability lawyer as soon as your claim is denied or your bene...
10/14/2026

Don't Wait Until the Deadline Is Close

Contact a long-term disability lawyer as soon as your claim is denied or your benefits are terminated. The sooner your file is reviewed, the stronger your position.

Typically, the limitation period is 2 years from the date of denial or termination.

Don't wait until it's close to expiring.

A Pre-Existing Condition Clause Isn't Automatically the End of Your ClaimPre-existing condition exclusions are common in...
10/13/2026

A Pre-Existing Condition Clause Isn't Automatically the End of Your Claim

Pre-existing condition exclusions are common in disability policies, but they don't automatically disqualify you.

What matters is how the exclusion is worded, whether it applies to your specific situation, and whether the insurer has interpreted it correctly.

In many cases, these denials can be challenged.

No Win, No Fee. That's Not a Slogan - It's How We Work.We work on a contingency basis. You don't pay legal fees upfront,...
07/29/2026

No Win, No Fee. That's Not a Slogan - It's How We Work.

We work on a contingency basis. You don't pay legal fees upfront, and if we don't recover compensation for you, you don't pay at all.

Your first consultation is free, and we respond to inquiries the same business day.

There's no financial barrier standing between you and a real claim review.

Being Followed by an Insurance Investigator? Here's What Surveillance Actually Proves.In one of our cases, a man in his ...
07/27/2026

Being Followed by an Insurance Investigator? Here's What Surveillance Actually Proves.

In one of our cases, a man in his mid-40s was receiving disability benefits for seven years when the insurer conducted several rounds of surveillance and then terminated his benefits.

We reviewed the file. The surveillance wasn't as clear-cut as the insurance company suggested. We filed a lawsuit and settled before trial for a six-figure lump-sum settlement.

Surveillance is not automatically the end of your claim.

CPP Disability Denied? You Have 90 Days to Appeal.Claims are often denied initially, even when applicants clearly cannot...
07/23/2026

CPP Disability Denied? You Have 90 Days to Appeal.

Claims are often denied initially, even when applicants clearly cannot work. The first step after a denial is reconsideration - and you have 90 days from the date of denial to request it.

If reconsideration doesn't work, there are two more levels of appeal: the Social Security Tribunal and, finally, the Appeal Division.

Missing these deadlines can mean losing your right to appeal entirely.

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

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