Disability &
Personal Injury


Your Long Term Disability Firm

The mission of our firm is to protect our client’s rights to justice
and to receive the compensation they deserve.

Welcome to Kotak Law


We are the experienced, effective and compassionate path to compensation.
We are result oriented and work as a team to maximize the money you receive.

We understand that being denied disability benefits or suffering an injury can be devastating. Your time to sue is limited. Please do not delay in calling a lawyer at Kotak Personal Injury Law

Call us at 1-888-GOKOTAK or (416) 816-1500.

Learn More

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Disability insurance companies may offer an internal appeal process and often it is a waste of time. Insurer’s rarely change their decision through this appeal. A more effective solution is to have a disability lawyer commence a law suit against the insurance company. At Kotak Law we will issue your claim quickly and move your case forward towards a settlement. Remember you are not alone. We can help.

How long you are entitled to receive long term disability benefits depends on the wording of the insurance policy. Most policies provide for disability payments up to age 65 if you meet the definition of total disability. Some policies have shorter benefit periods and a few provide for payments beyond age 65.

Coverage for disability is governed by the insurance policy. In general long term disability policies will provide for payment for any type of illness or sickness that prevents you for performing the essential tasks of your employment and for payment after two years if you are prevented from performing any employment that you are suited to by way of education, training or experience. Some covered ailments include depression, anxiety, chronic pain, heart disease, cancer, fibromyalgia, migraines, IBS, organ failure, strokes, inflammatory disorders and neurological impairments.

Insurance companies often deny short term disability claims. Some reasons insurance companies give are:

  • There is insufficient medical evidence.
  • Video surveillance shows you doing things you said you couldn’t do.
  • Your social media posts show you as active and not showing signs of depression.

At Kotak Law we help clients who have been denied short term disability. We can help. Call us for a free consultation.

A disability lawyer represents people whose disability benefits have been denied or cut off by an insurance company. They will gather medical evidence to establish that a claimant meets the definition of total disability as set out in the insurance contract. They will commence a claim against the disability insurer and obtain a settlement or court order with the instructions of the client.

At Kotak Law our practice focuses on helping clients receive disability benefits when their ability to work has been impaired by anxiety and depression. We obtain records and reports from doctors who have provided treatment and we present evidence in support of the claim in order to secure a just compensation award.

At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.

Disability Claims
Disability Claims
Disability Claims
Disability Claims

Disability insurance companies may offer an internal appeal process and often it is a waste of time. Insurer’s rarely change their decision through this appeal. A more effective solution is to have a disability lawyer commence a law suit against the insurance company. At Kotak Law we will issue your claim quickly and move your case forward towards a settlement. Remember you are not alone. We can help.

How long you are entitled to receive long term disability benefits depends on the wording of the insurance policy. Most policies provide for disability payments up to age 65 if you meet the definition of total disability. Some policies have shorter benefit periods and a few provide for payments beyond age 65.

Coverage for disability is governed by the insurance policy. In general long term disability policies will provide for payment for any type of illness or sickness that prevents you for performing the essential tasks of your employment and for payment after two years if you are prevented from performing any employment that you are suited to by way of education, training or experience. Some covered ailments include depression, anxiety, chronic pain, heart disease, cancer, fibromyalgia, migraines, IBS, organ failure, strokes, inflammatory disorders and neurological impairments.

Insurance companies often deny short term disability claims. Some reasons insurance companies give are:

  • There is insufficient medical evidence.
  • Video surveillance shows you doing things you said you couldn’t do.
  • Your social media posts show you as active and not showing signs of depression.

At Kotak Law we help clients who have been denied short term disability. We can help. Call us for a free consultation.

At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.

Personal Injury
Personal Injury

A personal injury case involves a situation where one person is injured due to the fault of another. Common types of personal injury cases include car accidents, slip and falls, dog bites, and defective products.

  • Call the police
  • Call for an ambulance if needed.
  • Take pictures and secure the names of witnesses if you are able to.
  • Take down the information of all parties involved (licence plate(s), drivers licence(s) and insurance information)
  • Contact your insurance company within 7 days.
  • Follow up with your family doctor.
  • Contact a personal injury lawyer at Kotak Law to discuss your case.

It could take from a few months to several years to resolve a personal injury case in Ontario. Many factors influence the length of time it takes. This includes the severity of the injury, how many parties you have to sue, if there is a dispute over who was at fault and inherent court delays.

At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.

Why Choose Kotak Law?


We are the experienced, effective and compassionate path to compensation. We are result oriented and work as a team to maximize the money you receive.

  • FREE
    CONSULtation
  • Excellent
    Reviews
  • You Don’t Pay
    Unless We Win
  • Highly Responsive
    and accessible

Free Consultation : (416) 816-1500

Kotak Law Owner
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  • Rajiv Haté and Charmaine Vaswani provided an exceptional degree of support during a very tumultuous period in my life. Insurance companies don’t take chronic skin conditions seriously (despite it being the largest organ in our bodies) so I didn’t really have any hope that my claim would be settled. Rajiv went above and beyond my expectations, ensured I would be fairly compensated, and got the job done. I highly recommend patients with chronic conditions to contact Kotak Law. They’ll have your back while also giving you space to heal (i.e. you won’t be bombarded with emails during the process). So grateful!

    thumb Meera Roy
    December 16, 2021

    I want to thank Kotak Law for helping me. I am beyond grateful to Mr. Rajiv Hate and his team. Thanks once again for your legal advice, time, and efforts.

    thumb Mirza Aundleeb Fatma
    August 11, 2021

    Highly recommend Kotak, they’re very professional and help every step of the way.

    thumb Adrian Lovell
    June 17, 2022
  • Kotak just helped me few days ago to successfully close a second case. In the first one, Rajiv Rate, who is a phenomenal lawyer with Kotak helped me to get much more than I expected in a settlement due to an awful motorcycle accident. And now with a LTD case (non-related to the motorcycle accident) Rajiv did it again, he just helped me to settle my case getting a much higher compensation than I initially estimated. The level of professionalism, attention to detail and kindness showcased by all the team at Kotak and by Rajiv in particular have been insuperable and a constant in both cases. Don't waste your time with any other law firm as I did before I contacted Kotak for my first case, call them and request to talk with Rajiv, you won't regret it!!

    thumb S C
    July 5, 2022

    I am grateful to Rajiv + team for all their efforts on my behalf. I was blessed with a favorable outcome, and the experience was one of understanding from all those involved. Thank you so much.

    thumb Tia Kazimer
    July 5, 2021

    My experience with Kotak Law Lawyers was simply amazing. Nainesh Kotak represented my case with great care and attention. The level of empathy and comfort provided meant the world to me. I truly felt Mr. Kotak and supporting staff made the difference between a very stressful experience to one that went smoothly with a positive outcome.

    thumb carol grilli
    September 22, 2022
  • Kotak just helped me few days ago to successfully close a second case. In the first one, Rajiv Hate, who is a phenomenal lawyer with Kotak helped me to get much more than I expected in a settlement due to an awful motorcycle accident. And now with a LTD case (non-related to the motorcycle accident) Rajiv did it again, he just helped me to settle my case getting a much higher compensation than I initially estimated. The level of professionalism, attention to detail and kindness showcased by all the team at Kotak and by Rajiv in particular have been insuperable and a constant in both cases. Don't waste your time with any other law firm as I did before I contacted Kotak for my first case, call them and request to talk with Rajiv, you won't regret it!!

    thumb S C
    July 5, 2022

    The team at Kotak law were amazing and easy to work with. From start to finish, they explained the process and helped me through my claim every step of the way. I can’t thank them enough for all of their hard work to get me a settlement that I was happy with. Thank you Nanish, Tijana, Sarah and the rest of the team!

    thumb mrs.
    May 4, 2022

    Thank you to the hard-working team at kotak law. Kaity believed in me and worked so hard for the best outcome possible thank you so much.

    thumb Trevor Robertson
    November 9, 2021
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In the Press


How to challenge an LTD denial in five simple steps
17 May 2023
How to challenge an LTD denial in five simple steps
Tips for migrating from short-term to long-term disability
18 April 2023
Don’t get lost in transition: Tips for migrating from short-term to long-term disability
Five mistakes to avoid in your LTD application to improve your odds of success
20 March 2023
Five mistakes to avoid in your LTD application to improve your odds of success

Nainesh Kotak discusses pre-existing conditions and disability claims on CHCH Morning Live

Nainesh Kotak is Interviewed on BNN about Disability Claims

Kotak Military Appreciation Day Film – Nov 2018