Receiving a letter stating your disability claim has been denied can be devastating. You’re already dealing with a health condition that prevents you from working, and now the financial support you counted on has been cut off. This is a stressful and confusing reality for many people in Mississauga. When your insurer denies your claim, it can feel like you have nowhere to turn.
At Kotak Law, we focus specifically on this challenge. Our team of experienced disability lawyers is dedicated to litigating and resolving disability claim denials. We understand the tactics insurance companies use, and we are here to provide the powerful legal help for disability benefits that Mississauga residents need to fight back and secure their rightful payments.
Why Was Your Disability Claim Denied?
Insurance companies are for-profit businesses. Unfortunately, this means they sometimes deny legitimate claims to protect their financial interests. When you receive a denial, it will be accompanied by a reason, but the justification can often feel unfair or unclear. Common reasons for a disability claim denial include:
- Alleged Lack of Medical Evidence: The insurer might argue that the medical documents you submitted do not sufficiently prove your inability to work. They may claim your condition is not severe enough or that objective evidence is missing.
- The “Any Occupation” Clause: Many long-term disability policies change after two years. At first, you need to prove you cannot do your own Later, the definition often shifts, requiring you to prove you cannot perform any job for which you are suited by education, training, or experience. Insurers frequently use this clause to terminate benefits.
- Disputes Over Medical Opinions: Your doctor may fully support your claim, but the insurer might rely on their own medical consultants who have never met you to dispute your doctor’s findings.
- Surveillance: Insurers sometimes hire private investigators to watch you. They may take video or photos out of context—like a brief trip to the grocery store—and use it as “proof” that you are not as disabled as you claim.
Facing these arguments alone is an uphill battle. A disability lawyer in Mississauga who specializes in claim denials is essential to counter these tactics effectively.
Kotak Law: Your Advocate in a Claim Denial Dispute
When your claim is denied, you are not just dealing with paperwork; you are in a legal dispute with a powerful corporation. Kotak Law Mississauga provides the specialized legal assistance needed to level the playing field. Our practice is built on challenging insurance companies and winning.
Focused on Litigation and Resolution
We are not general practitioners; we are disability litigation lawyers. Our entire focus is on fighting denied claims. This means we have deep knowledge of insurance law, court procedures, and the strategies that lead to successful outcomes, whether through a negotiated settlement or a court judgment. From the moment you hire us, the insurer knows you are serious about pursuing your rights.
Building an Airtight Case
A successful challenge to a disability claim denial requires overwhelming evidence. We take charge of this process by:
- Analyzing the Denial: We start by dissecting the insurer’s denial letter to understand their exact arguments and identify their weaknesses.
- Gathering Powerful Medical Proof: We work with your doctors and specialists to obtain detailed medical reports that directly address the insurer’s reasons for denial. We may also engage independent medical experts to provide further objective evidence to strengthen your case.
- Managing All Legal Procedures: We handle every aspect of the legal process. This includes filing the lawsuit, managing all communications with the insurance company’s lawyers, and ensuring every deadline is met. This allows you to step back from the conflict and focus on your health.
We Don’t Back Down
Our reputation is built on our willingness to take cases to court. While many cases are settled through tough negotiation, the insurance company is more likely to offer a fair settlement when they know your lawyer is fully prepared for trial. We prepare every case as if it will go before a judge, putting you in the strongest possible negotiating position.
What Disability Benefit Denials Can We Help With?
The team at Kotak Law has extensive experience in overturning denials for a wide range of benefits. If you have been denied, we can provide legal help for disability benefits including:
- Long-Term Disability (LTD) Denials: The most common area of dispute, often involving claims through a workplace group insurance plan.
- Short-Term Disability (STD) Denials: When the initial claim for benefits is rejected.
- Canada Pension Plan (CPP) Disability Denials: We can help you appeal a denial from Service Canada.
- Critical Illness and Life Insurance Claim Denials: We also represent clients whose claims on these policies have been unfairly refused.
We have successfully represented Mississauga clients with all types of conditions, from physical injuries and chronic illnesses like fibromyalgia to mental health disabilities such as major depression, anxiety, and PTSD.
Your Next Step After a Claim Denial
A denial is not the end of the road. It is the start of a legal process, and with the right advocate, you can win. If you live in Mississauga and your disability claim has been denied or terminated, it is critical to seek legal advice immediately.
The team at Kotak Law is ready to fight for you. We work on a contingency fee basis, which means there are no upfront costs, and you only pay if we win your case.
Contact Kotak Law today for a free, no-obligation consultation. Let us review your denial letter and explain how we can help you secure the benefits you are owed.
