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

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  • Everyone I dealt with at Kotak Law was friendly and professional. They were efficient and settled my case in a reasonable amount of time. My Lawyer Rajiv was the best, he kept me well informed and during the settlement mediation kept me calm and intructed me well. We reached the best settlement possible. Thank you Rajiv!!

    Rebecca Copland Avatar Rebecca Copland
    September 9, 2023

    I am grateful for the exceptional services provided by Kotak Law and his incredible team. From the moment I reached out to them, I knew I was in capable hands. Throughout my legal journey, Rajiv displayed an unmatched level of professionalism, dedication, and expertise. He not only fought tirelessly for my case but also took the time to ensure I understood every step of the process. His support and strategic approach were truly impressive. I must also give a special mention to Nainesh, whose support was invaluable. They always addressed my queries and concerns, offering reassurance during what could have been an overwhelming time. The entire team's commitment to my well-being and their compassionate approach made a world of difference. They kept me informed, provided regular updates, and worked diligently to secure a favorable outcome. Thanks to Kotak Law and his team. If you're seeking legal representation that goes above and beyond, look no further. I wholeheartedly recommend Kotak Law Firm for their exceptional services. Thank you again for your outstanding work!

    Umesh Jain Avatar Umesh Jain
    August 8, 2023

    Just a quick thank you to both Sergey Loganov and Klara Kotanovic for their efforts over the past few months in taking care of my CPP Disability denial and appeal process. Not only did they win the case but the retroactive lump sum owing went back 10 months earlier than what I thought it would and I will be receiving the maximum monthly payment. Dealing with chronic pain from 3 surgeries in the early 2000s on my neck and now finding out I have numerous bulging discs and spinal stenosis in my low back which creates nerve pain and kicking leg syndrome is a lot to deal with medically and it was a load off my mind to have a very competent group of players on my team to deal with CPP. Lowering stress levels and being able to afford to go and have more Bowen therapy on my low back means the world at this point. Pills are something I try to take as little of as possible and I am an advocate of the growing and use of cannabis and products for both stress levels and helping with nerve pain. It also cuts down the cost of expensive pain meds which can become addictive such as opiods. Thank you again everyone for your efforts and calm demeanor in this battle we call life. Two thumbs up.

    Greg Boydell Avatar Greg Boydell
    July 8, 2023
  • I would sincerely like to Thank Kaity Yang for representing me as a client. Kaity was excellent from start to finish. Kaity understood my struggles and fought for my rights. I would and will highly recommend Kaity Yang and Kotak Law. I would also like to Thank Louise Lloyd for all her help and professionalism. Through out the process Louise was also a tremendous help. Thank-You both so much.

    Chris Loughlean Avatar Chris Loughlean
    April 8, 2023

    An excellent experience. We had tried to do it by ourselves, following the insurance company’s rules and they simply kept declining the claim and running out the clock, causing no end of stress. We turned to Kotak Law and Rajiv and his team listened, understood and sympathized. They worked hard, kept communication open and delivered results. They took an overwhelming situation and walked us through…thank you.

    Mike Kirtz Avatar Mike Kirtz
    February 8, 2023

    Rajiv Hate is amazing! I contacted Kotak law after my employer fired me and I was on LTD. However, I did the mistake of going thr Ministry of labor and the severance I received was so low. Not only this but my employer had hired a lawyer and they had drafted the release form- I signed off on it not only releasing my employer but also affiliates etc. My employer was dishonest and last minute made an amendment which I didn’t see and I released the LTD provider as well and the provider was not even there and not part of the discussion. It was such a bad deal to release all my rights for so little money. I didn’t realize all this until after I contacted Kotak and Rajiv looked at my documents. Instead of giving up on me Rajiv went ahead and fought for me. It was a long wait and I thought I had lost and was giving up, but Rajiv kept persevering. He was skilled at the negotiation and when I was tired, he found the right words to speak on my behalf and understood me. My case was won by Rajiv and it takes amazing talent like his to win a lost battle! Hats off to Rajiv and his assistant Stefan Jakovljevic for a job well done and being there for me.

    Bi Avatar Bi
    November 8, 2022
  • After dealing with my insurance company with no results, I hired Kotak Law to advocate for me. Mr Rajiv Hate did an excellent job of listening to the issues and presenting them on my behalf. Without him, I would not have been able to reach an agreement with the insurer. Would definitely recommend.

    Kevin O Avatar Kevin O
    November 8, 2022

    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.

    carol grilli Avatar carol grilli
    September 22, 2022

    After dealing with my insurance company with no results, I hired Kotak Law to advocate for me. Mr Rajiv Hate did an excellent job of listening to the issues and presenting them on my behalf. Without him, I would not have been able to reach an agreement with the insurer. Would definitely recommend.

    Kevin O Avatar Kevin O
    August 29, 2022
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In the Press


Applying for Long-Term Disability Benefits
15 July 2024
Applying for Long-Term Disability Benefits
Short Term Disability Claim
12 July 2024
Short-Term Disability Claim Denials
Why Disability Claims Get Denied
10 July 2024
Why Disability Claims Get Denied

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