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

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  • 5 star review  I would like to thank Kotak Law for all their help with my case. Rajiv Hate handled my case with such great care, I always felt listened to, and cared about. His assistant Charmaine was also a pleasure to work with. What a great team! So pleased with how this case was handled from beginning to end! Thank you for everything!

    thumb Angela Blood
    3/08/2021

    5 star review  I had a very positive experience dealing with Kotak Law. I was kept up to date, dealt with in a friendly professional manner and was very pleased with the outcome. Would definitely recommend this firm.

    thumb Carolyn Gray
    6/17/2021

    5 star review  Rajiv Hate in the Kotak Law Firm did a wonderful job in handling my long term disability case. From the initial phone conversation, I had the feeling that I was with the right lawyer since he made me feel very comfortable and confident that I can rely on him. Throughout the case, he is professional, courteous, and extremely knowledgeable in the area of long term disability. Whenever I have any concerns about my case and need a clarification, he validated my concerns and responded with explanations. Because of his expertise and astuteness, the case had a successful outcome and was resolved in a timely manner. I would highly recommend him to the families and friends if they need a lawyer in this field.

    thumb Catherine Chen
    5/09/2022
  • 5 star review  Tijana and Nainesh were phenomenal. So compassionate, understanding and empathetic. I can't express my gratitude enough!

    thumb Vicky Marano
    1/23/2022

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

    thumb Adrian Lovell
    6/17/2022

    5 star review  I feel so validated after my representation by Kotak Law. The compassion shown was professional and empathetic. Kaity and her team understood the complicated medical and long term effects of my situation from the start. I am forever grateful for my case taken by Kotak Law

    thumb Teresa Morosin
    5/02/2022
  • 5 star review  Would highly recommend dealing with Rajiv Hate for your inquiries. He’s professional, respectful and honest. Gives great advice for the best outcome. Thanks for all your help Rajiv.

    thumb Atif R
    8/06/2021

    5 star review  Called me back on a long weekend. Handled my LTD cancellation quickly and professionally . A great team to work with!

    thumb Phillip Matolcsy
    4/25/2022

    5 star review  Kotak Law dealt with my case with professionalism and care right from the start. Kaity was great as well as the law clerks and everyone in the office that I communicated with over the last year. Thanks for helping me believe that I had a case to begin with and to support me through to a fair settlement.

    thumb D T
    10/28/2021
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In the Press


kotak on long covid sufferers battle
16 July 2022
Long COVID sufferers battle insurers as well as the condition
Private LTD policyholder wins significant settlement following early termination of benefits
14 June 2022
Private LTD policyholder wins significant settlement following early termination of benefits
What to expect from a long-term disability settlement
19 May 2022
What to expect from a long-term disability settlement

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