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.
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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.
Chronic Pain
CPP Disability Benefits
Depression and Anxiety
Fibromyalgia
Headaches and Migraines
Other LTD Ailments
Disability Claim FAQ
Short Term Disability
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.
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.
Car
Accidents
Slip and fall
Catastrophic Injuries
Traumatic Brain Injury
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.
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CONSULtation - Excellent
Reviews - You Don’t Pay
Unless We Win - Highly Responsive
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I had an exceptional experience working with Kotak Law Firm. From the moment I reached out, their team was professional, responsive, and attentive to my needs. They took the time to understand my case thoroughly and provided clear, sound legal advice at every step. Their expertise and dedication were evident, and I always felt confident in their ability to handle my legal matters. The personalized service and attention to detail were second to none. I highly recommend Kotak Law Firm for anyone seeking top-notch legal representation!
Rishi Seeram
April 18, 2025I am writing this with the intention of helping someone who really needs some help to fight the insurance industry for his/her disability claim. I had to help someone close to me get legal help wrt LTD and/or CPPD claim. While searching and reviewing many lawyers in town and their initial consultation/responses, I came across Kotak law led by Nainesh. In my experience in the past, most lawyers over promise and under deliver. However, my experience with Kotak law was completely different. They are competent, humble and very emphatic to your specific issue. Their fees are also transparent and more competitive than other lawyers. They analyzed the scenario and gave us complete breakdown of how they are going to approach the matter and timelines. Everything took place in the manner they explained in a timely fashion. I am grateful for their service. My advice to anyone needing LTD or CPPD related legal help, set aside your skepticism, go to Kotak law, have confidence and belief in them. They are good and competent people and want people like that on your side in a time of need .........
Rashed S
March 18, 2025Extremely happy with the services provided by Avinaash Laljie! I could not have asked for better representation, he went above and beyond to ensure I was informed the whole time and provided me with excellent resolution.
kt
March 18, 2025 -
From the very first phone call at Kotak Law, Caroline and Alix were very friendly, patient and professional. They assisted me with my initial intake, and prioritized my case information from the very beginning. I was treated with courtesy, respect and compassion. The team collaborated and efficiently demonstrated active-listening while gathering critical and important case information. They provided exceptional customer service and problem-solving skills. My case was subsequently handled by Kaity and Gurbacan. I honestly cannot overemphasize how amazing, respected, valued and professional I was treated. I was so stressed and discouraged when my benefits got previously denied. Kaity and Gurbacan immediately put my mind at ease, and went over and beyond on numerous occasions to ensure I understood the entire process and case information. Kaity is very intelligent, friendly, super efficient, confident, professional and extremely knowledgeable. Her expertise and attention to detail relieved all of my concerns. Kaity and Gurbacan always made the time to answer all of my questions and concerns, without ever feeling flustered or rushed. Further, their response time in getting back to me by phone/email was always expeditious, even on evenings, weekends and statutory holidays. I highly recommend and enthusiastically endorse Kotak Law for anyone that is in need of legal representation relating to a disability claim. Kotak Law resolved my case, and I am so thankful and fortunate for their support and assistance. If I could give Kotak Law 10 stars, I definitely would because they really deserve it. Thank you so much Kotak Law for all of your dedication, support and ensuring the best possible outcome for my case. Further, putting my mind at ease from the very beginning, and supporting me every step of the way. Keep up the amazing work!
Peter R
March 18, 2025I am incredibly grateful to Rajiv and his assistant Gurbacan for the outstanding support and service they provided me. As a minimum wage worker, I was nervous and very concerned that I would be overlooked or seen as unworthy when seeking help, but from the moment I reached out to Rajiv’s office, I was treated with respect, dignity, and care. Rajiv’s professionalism, expertise, patience, and kindness made a world of difference. He took a great deal of time to thoroughly explain everything to me, ensuring I understood my options and the best course of action. His attention to detail and dedication to my case helped to reduce my anxiety and allowed me to focus on my health. Gurbacan was equally amazing – always responsive, approachable, and ready to assist with any questions or concerns. Together, they made an excellent team, and their compassionate approach made me feel empowered rather than discouraged. I can’t thank Rajiv and Gurbacan enough for their help. They made what could have been an overwhelming and stressful process much easier to navigate, and I will forever be grateful for their support. Highly recommend their services to anyone in need of a benefits lawyer who treats you with the respect and professionalism you deserve, no matter your circumstances!
Lindsey McDowell
January 18, 2025Highly recommend! The staff is amazing! I contacted Kotak law for help with a denial of my LTD.From intake to settlement the staff were amazing, supportive and very knowledgeable. My lawyer Rajiv Haté and his law clerk Gurbacan, were absolutely the best to work with. Rajiv is so knowledgeable and got me the best outcome. He really fights for his clients and I’m beyond satisfied with the outcome and whole process! Definitely deserving of a 5 star rating! Thank you so much!
Meena Chowdhury
December 18, 2024 -
Professional, efficient and successful! I would recommend this firm whole heartedly!
Elaine Lay
November 18, 2024I cannot thank Kaity and Klara enough for their assistance with my mediation. From day one that I contacted Kotak Law I felt supported. Both Klara and Kaity were compassionate, knowledgeable, professional and attentive to my needs. I was able to get through my mediation without any issues as they walked me through the process and what to expect. I would recommend Kotak Law to anyone in need of legal assistance.
Antonella Repole
October 11, 2024My daughter had a disability denial case in Edmonton. She worked with Rajiv Haté and his Team and she was very pleased with their services. On Mediation Day, I assisted her in the process and Rajiv did an excellent job negotiating our settlement. We ended up settling for 25% above our expected amount and only 5% short of our "best case" amount. I would recommend Rajiv to anyone who needed professional help in this area!
Chris Evans
October 2, 2024
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