LTD Claims by Occupation

Your insurer doesn't understand your job. We do.

Insurance companies deny claims based on what they think your job is — not what it actually demands. We build cases around the real physical, cognitive, and emotional requirements of your specific role.

Nurses & Healthcare Workers

12-hour shifts destroyed your body. Your insurer says you can do 'light duty.' We prove there's no such thing.

'Light duty' argumentsSurveillance misuseComorbid condition splitting24-month definition switch

See how we fight for nurses

Teachers & Education Workers

Insurers use your summers off against you. We show the court what teaching actually demands — cognitively, emotionally, and physically.

'Summer recovery' argumentMental health minimizedPushed toward tutoring24-month 'any occupation' switch

See how we fight for teachers

Office Workers & Corporate Professionals

'It's just a desk job' is the insurer's favourite line. We prove that cognitive work is real work — and that sitting still for 8 hours is its own kind of impossible.

'Sedentary job' dismissalStress treated as non-medicalSocial media surveillanceCognitive symptoms ignored

See how we fight for office workers

First Responders

You ran toward danger for years. Now the insurer says your trauma isn't 'objective enough.' We know what this work costs — and we fight to make sure you're not punished for it.

Delayed PTSD treatment gaps'Desk duty' argumentsBiased IME assessmentsCumulative trauma denied

See how we fight for first responders

IT & Tech Workers

They see a chair and a screen. We document the cognitive marathon your job actually requires — the deep focus, the always-on demands, the RSI nobody warned you about.

'Sedentary' classificationCognitive symptoms dismissedHigh-benefit targetingSurveillance of computer use

See how we fight for it

Government Employees

Insurers weaponize your job security and strong benefits package. We know the policy traps they set for public sector workers — federal, provincial, and municipal.

Union assumed to handle it'Modified duties' pressureSubjective condition dismissal24-month cutoff exploitation

See how we fight for government employees

Construction Workers & Tradespeople

Years of physical labour broke your body. Insurers say you should retrain for desk work. We prove that's not realistic.

Retraining argumentsTransferable skills claimsPhysical capacity disputesSurveillance

See how we fight for construction workers

Social Workers & Counsellors

Vicarious trauma and burnout are occupational hazards. Insurers call them personal issues. We prove otherwise.

Vicarious trauma dismissed'Personal issues' framingMental health limitationsSubjective evidence

See how we fight for social workers

Sales & Account Managers

Insurers point to your good days and quota-driven results. We prove the cognitive and emotional toll your job demands.

Good days used against youCognitive demand deniedStress dismissedPerformance-based arguments

See how we fight for sales

Warehouse & Logistics Workers

Repetitive strain, back injuries, and chronic pain. Insurers say you can do 'modified duties.' We prove there aren't any.

Modified duties mythRepetitive strain deniedPhysical capacity disputesVocational assessments

See how we fight for warehouse

Why This Matters

The same diagnosis gets denied differently depending on your job.

A nurse with chronic pain and a software developer with chronic pain face completely different denial tactics. The nurse gets told she can do "light duty." The developer gets told it's "just a desk job." Both are wrong — but proving why requires understanding the specific demands of each role.

Insurers rely on generic job classifications that reduce your career to a one-line description. They'll argue a teacher can tutor from home. That a paramedic can answer phones. That a government analyst can do "any sedentary work." None of this reflects reality.

We build every case around what your job actually required — the lifting, the cognitive load, the emotional toll, the shift work, the on-call demands. That's how we win.

Don't see your occupation?

We handle LTD claims for people in every line of work — construction, healthcare administration, retail management, skilled trades, finance, and more. If your insurer denied your claim, we can help.

Find Out Your Options (289) 210-9449