Blogs


Understanding pre-existing condition exclusions in LTD policies

By Nainesh Kotak Long-term disability (LTD) benefit denials based on pre-existing conditions do not have to be the end of the road for injured workers in need of benefits.  Although the terms of each LTD group policy will differ, almost all include an exclusionary provision preventing claimants from obtaining benefits for an illness or injury […]

Read More

[…]

Read More… from Understanding pre-existing condition exclusions in LTD policies

Your top five long-term disability insurance questions answered

By Nainesh Kotak After more than 25 years in legal practice advocating on behalf of employees who are unable to work as a result of illness or injury, you develop a sense of the most pressing questions people will have about long-term disability (LTD). Few people give their LTD insurance policy even a moment’s thought […]

Read More

[…]

Read More… from Your top five long-term disability insurance questions answered

Adherence to treatment plans critical in addiction-related LTD claims

By Nainesh Kotak Following the advice of your doctor and other treatment providers is critical for long-term disability (LTD) claimants with serious addiction issues. Alcohol and drug abuse spring most easily to mind when people think of addiction, and problematic use of these substances features commonly in LTD claims – but not exclusively. Behavioural disorders […]

Read More

[…]

Read More… from Adherence to treatment plans critical in addiction-related LTD claims

Kotak builds thriving law practice by leading with empathy

Nainesh Kotak’s career has been built on the notion of giving back. As one of Canada’s leading disability lawyers, Kotak helps Canadians suffering from physical and mental health conditions through long-term disability cases at his practice, Kotak Personal Injury Law. In addition to helping individuals who have been wronged by insurance companies, Kotak is a […]

Read More

[…]

Read More… from Kotak builds thriving law practice by leading with empathy

Long COVID sufferers battle insurers as well as the condition

By Nainesh Kotak Disabled employees are getting caught in the middle as insurance companies lag the medical community’s growing awareness of the enduring effects COVID-19 infections can have on some patients. The New York Times newspaper recently reported on a U.S. analysis of nearly 80,000 long-term disability claims for long COVID — the catch-all term […]

Read More

[…]

Read More… from Long COVID sufferers battle insurers as well as the condition

Private LTD policyholder wins significant settlement following early termination of benefits

By Nainesh Kotak Private long-term disability insurance policies enjoy a reputation for more attractive terms compared with their group policy counterparts, but that doesn’t mean that the injured workers covered by them can expect a smooth ride from their insurer when it comes time to make a claim. These individually sold policies are a key […]

Read More

[…]

Read More… from Private LTD policyholder wins significant settlement following early termination of benefits

What to expect from a long-term disability settlement

By Nainesh Kotak A lump-sum settlement can provide the clean break many disabled employees are looking for from their long-term disability lawsuits. Although many insured people start out hoping a full recovery will enable a return to work, by the time they have been forced to sue their insurance company in court for an unfair […]

Read More

[…]

Read More… from What to expect from a long-term disability settlement

The challenges of disability claims for workplace stress

By Nainesh Kotak Employees across the country are experiencing unprecedented levels of stress. In a recent survey, almost one quarter (24 per cent) of respondents said their work-related stress has escalated. A significant portion of employees cited burnout symptoms, such as sleep problems, constant worrying and lack of concentration. Another study shows that the main […]

Read More

[…]

Read More… from The challenges of disability claims for workplace stress

DENTIST DISABILITY INSURANCE CLAIM DENIED

Dentists often purchase private disability policies through a broker at the start of their career. They do this for peace of mind knowing that as their practice grows their financial obligations will too. Dentists usually chose policies that provide a significant monthly disability benefit that is non taxable and contains a cost of living increase […]

Read More

[…]

Read More… from DENTIST DISABILITY INSURANCE CLAIM DENIED

Some LTD insurers take advantage of failed returns to work

By Nainesh Kotak No injured employee should be punished for a failed attempt to return to work, but long-term disability (LTD) insurers often find a way. Everybody wins when a once-disabled worker recovers to the point that they feel ready to go back to the workplace — as long as their doctors agree it’s safe […]

Read More

[…]

Read More… from Some LTD insurers take advantage of failed returns to work