Denied Long-Term or Short-Term Disability Benefits? We Can Help.
Serving Mississauga and the GTA | Free Consultation | No Fee Unless We Win
Facing a disability benefits denial can feel overwhelming and unfair. At Kotak Law, we’re here to fight for your rights and ensure you get the support you deserve.
When you’re sick or injured and unable to work, disability benefits are supposed to protect your income and your family’s stability. Unfortunately, many people in Mississauga face unexpected denials, delays, or benefits being cut off after months of approval.
At Kotak Law, disability claims aren’t just a side practice—they’re our primary focus. We represent claimants (not insurers) in long-term disability (LTD) and short-term disability (STD) disputes, helping people push back when insurance companies don’t play fair.
Call today for a free consultation. Don’t wait—strict deadlines apply to disability claims.
Call us at 1-888-GOKOTAK or (416) 816-1500.
Disability Benefits Problems We Help With
We routinely take over cases involving:
- LTD denied after you applied
- STD denied or ended early
- LTD cut off after an insurer “review”
- Delays and requests for “more documents” that never end
- Insurer IMEs (independent medical exams) that feel biased
- Surveillance or social media monitoring used against you
- Return-to-work pressure before you’re medically ready
- Appeal deadlines and complicated policy language
If your insurer says you can do “some type of work” and uses that to end benefits, you may still have strong options—especially if your medical evidence and occupational demands are properly presented.
Why Disability Claims Get Denied in Mississauga
Insurance companies often justify denials and terminations by pointing to:
- “Insufficient objective evidence” (even for conditions where tests are limited)
- A file review by a doctor who never examined you
- Alleged inconsistencies in forms, notes, or daily activities
- Video surveillance showing isolated moments taken out of context
- “Any occupation” language after the policy changes from “own occupation”
- Missing forms, late paperwork, or shifting requirements
These reasons don’t always reflect the reality of living with a serious medical condition—and they can often be challenged with the right strategy.
Conditions We Commonly See in LTD and STD Claims
Disability can look very different from one person to another. We frequently help clients with claims involving:
- Chronic pain, fibromyalgia, migraines
- Depression, anxiety, PTSD, burnout
- Long COVID and post-viral syndromes
- MS, Parkinson’s, neurological disorders
- Autoimmune conditions and inflammatory disorders
- Cancer and side effects of treatment
- Orthopaedic injuries and surgical recovery
- Cognitive impairment, brain injury, post-concussion symptoms
You don’t need to “look disabled” to be disabled. The key is presenting clear evidence of how your condition prevents you from reliably performing your job.
What Kotak Law Does Differently
A strong disability case isn’t just “more medical records.” It’s a plan.
We help you by:
- Reviewing your policy and identifying the exact legal test the insurer must meet
- Building a clear medical narrative that matches the policy language
- Addressing “objective evidence” arguments strategically (where appropriate)
- Preparing you for insurer requests, IMEs, and interviews
- Responding to surveillance with context and functional reality
- Moving your case toward resolution—efficiently and effectively
We act exclusively for claimants—not insurance companies.
Mississauga LTD & STD Deadlines Matter
Insurance companies often impose strict timelines and appeal procedures. If you miss a deadline—or submit an appeal without the right evidence—you can unintentionally weaken your claim.
If you’ve received a denial letter or termination notice, it’s worth getting legal advice right away, before you respond.
Local Understanding, Province-Wide Strength
Kotak Law serves clients in Mississauga, across the GTA, and throughout Ontario (and also handles disability matters beyond Ontario depending on the file). Whether you work in an office, healthcare, logistics, construction, education, manufacturing, or a specialized profession, we focus on the core question:
Can you reliably perform your job duties, safely and consistently, given your condition?
Kotak Personal Injury Law
120 Traders Blvd East, Suite 120
Mississauga Ontario L4Z 2H7
Phone: (905) 755-8900
Toll Free: 1‑888‑GO‑KOTAK
Fax: (905) 755-8901
Email: info@kotaklaw.com
Frequently Asked Questions
Can I apply for LTD if I’m still on STD?
Often, yes. Many group benefit plans require a transition from STD to LTD. We can help you understand timing, forms, and how to avoid common pitfalls.
What if my doctor supports me but the insurer still denies?
That happens. Insurers may rely on internal reviewers or “paper reviews.” Denials can often be challenged with stronger functional evidence and proper framing.
Will surveillance end my claim automatically?
Not automatically—but insurers try to use snippets of footage to suggest you’re more capable than you are. Context matters, and surveillance can be addressed.
How much does it cost to hire Kotak Law?
In many cases, you pay no legal fee unless we win. We’ll explain costs clearly in your consultation.
Speak With a Mississauga Disability Lawyer Today
If your STD or LTD claim was denied, delayed, or terminated, you don’t have to take the insurer’s decision at face value. Let us review the situation and give you clear next steps.
Contact Kotak Law for a free consultation.
No fee unless we win.
