Ludwar Law Firm

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

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.

The Scan Came Back Normal. For Most Insurers, That's Enough to Question Everything.A clear MRI doesn't measure how a bra...
07/20/2026

The Scan Came Back Normal. For Most Insurers, That's Enough to Question Everything.

A clear MRI doesn't measure how a brain injury disrupts daily function. Memory and concentration claims are among the most disputed in long-term disability litigation, precisely because cognitive symptoms often produce no findings on standard imaging.

Neuropsychological testing can objectively measure cognitive function - the question is whether the insurer obtained and properly considered it.

What looks invisible on a scan isn't invisible in a properly documented file.

Depression Claims Fail When the Story and the Medical Evidence Conflict.Depression is recognized as a disability in Cana...
07/15/2026

Depression Claims Fail When the Story and the Medical Evidence Conflict.

Depression is recognized as a disability in Canada when it significantly limits a person's ability to work. But it's not awarded on diagnosis alone - every symptom needs to be connected to a specific inability to sustain occupational performance.

Insurers often deny these claims by pointing to inconsistent treatment or a single "independent" exam that doesn't reflect the variable nature of depression over time.

Your file needs the same precision insurers apply when disputing it.

Migraines Don't Look Disabling on Good Days. That's Where Claims Unravel.Because migraines lack objective findings on sc...
07/13/2026

Migraines Don't Look Disabling on Good Days. That's Where Claims Unravel.

Because migraines lack objective findings on scans, insurers often dispute their severity and frequency - pointing to good days as evidence you can work, instead of looking at the cumulative impact.

A migraine diagnosis alone doesn't establish a claim. The file needs to connect the frequency and severity of attacks to a specific inability to sustain employment.

If your migraine claim was denied for lack of "objective evidence," that denial is a position - not a final determination.

PTSD Doesn't Show Up on a Scan. That's Exactly Why Insurers Dispute It.Because PTSD claims often lack objective test res...
07/11/2026

PTSD Doesn't Show Up on a Scan. That's Exactly Why Insurers Dispute It.

Because PTSD claims often lack objective test results, insurers frequently dispute them. A diagnosis opens the door to a claim - but it doesn't guarantee the outcome.

What determines whether the file holds is the documentation connecting each symptom (flashbacks, hypervigilance, difficulty concentrating, disrupted sleep) to a specific inability to sustain employment.

A denied claim is not a closed one.

The Two-Year Definition Change Nobody Warns You AboutMost group disability policies quietly change their rules after two...
07/10/2026

The Two-Year Definition Change Nobody Warns You About

Most group disability policies quietly change their rules after two years. For the first two years, you qualify if you can't do your own job. After that, the definition shifts to "any occupation" - you have to be unable to do any job you're reasonably suited for.

This single moment accounts for roughly 80% of the cases we handle, because it's where insurer errors accumulate most consistently.

If your benefits stopped at the two-year mark, that's not a coincidence.

What Should You Expect When You Contact Ludwar Law?If your long-term disability claim has been denied or terminated, tak...
06/29/2026

What Should You Expect When You Contact Ludwar Law?

If your long-term disability claim has been denied or terminated, taking that first step toward legal help can feel uncertain. Here is exactly what happens when you reach out to us:

Step 1 - A Personal Phone Call. We discuss your situation directly. You tell us what happened with your claim, and we determine whether we can help.

Step 2 - Document Collection. We request your denial or termination letter, your full claim file, your policy documents, and your medical records to begin a thorough review.

Step 3 - File Review and Strategy. We analyze the insurer's decision, identify where their process went wrong, and outline a clear strategy for your case.

Step 4 - Resolution Whether through negotiation or litigation, we pursue the outcome that fully reflects the value of your claim - without rushing to close your file before the time is right.

Approximately 80% of cases settle within 18 to 24 months. Complex files or cases that proceed to trial may take longer. And because we work on a contingency basis, there are no upfront fees - ever.

Your first consultation is completely free.

Fibromyalgia, Chronic Fatigue, Chronic Pain - These Are Real Conditions. Your Claim Should Reflect That.One of the most ...
06/26/2026

Fibromyalgia, Chronic Fatigue, Chronic Pain - These Are Real Conditions. Your Claim Should Reflect That.

One of the most frustrating realities of long-term disability litigation is that the conditions most likely to be disputed by insurers are often the ones that are hardest to live with.

Fibromyalgia, chronic fatigue syndrome, chronic pain, and similar conditions are real, debilitating, and life-altering - yet because they are difficult to quantify through standard medical testing, insurance companies frequently challenge, minimize, or outright deny these claims.

At Ludwar Law, we handle these cases regularly. We work closely with your healthcare providers to build a thorough, well-documented file that reflects the true and ongoing impact of your condition - and we are fully prepared to litigate when the insurer refuses to acknowledge it.

Your condition is real. Your claim deserves to be treated that way.

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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