Blogs


Overcoming Short-Term Disability Claim Denials: Advocacy That Works for You

Imagine this: due to unforeseen circumstances, you find yourself unable to work. You’ve paid your insurance premiums dutifully, believing that they would provide the necessary cover when the chips are down. However, your short-term disability claim is denied, leaving you in a precarious financial situation. Sounds frightening, doesn’t it? This is a harsh reality for […]

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Opting Out of Direct Property Damage Auto Insurance in Ontario: What You Need to Know

Ontario’s insurance landscape is changing. The region is grappling with high premiums, lack of coverage, and a booming insurance industry. Amid this backdrop, the government has introduced legislation that allows residents to opt out of direct property damage compensation. Now, more than ever, it’s crucial to understand these changes and ensure you’re adequately covered. The […]

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Maximizing Your Disability Insurance: The Power of an Own-Occupation Rider

Understanding the intricacies of your insurance policy can feel like trying to decode an alien language. However, when it comes to your disability insurance, one small add-on called the “own-occupation rider” can potentially make a significant difference. It’s time to demystify this essential tool and empower you to make informed decisions about your financial safety […]

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Mastering the Mediation Process in Long Term Disability Cases: A Step-by-Step Guide

When it comes to long-term disability cases, mediation plays a pivotal role. It’s a neutral process where a third-party mediator facilitates a discussion between you and the opposing side. If you find yourself heading into a mediation, understanding this process can relieve some of the stress and uncertainty. Approximately 80% of mediations result in a […]

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Addressing Rising School Violence: Understanding its Impact on Teacher Mental Health and Seeking Remedies

According to recent studies, there’s been an alarming rise in violence in schools since the end of the pandemic lockdowns. This escalating trend is causing an undue strain on teachers, leading to negative mental health outcomes, and in some cases, long-term disability. The Impact of School Violence on Teacher Mental Health Increased instances of disruptive […]

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Your Guide to Navigating Mental Health Disability Claims

In a world where mental health is increasingly gaining the attention it deserves, it’s essential to understand your rights and navigate the complexities of disability claims. Navigating disability claims related to mental health can be tricky. Nainesh Kotak sheds light on successfully steering through these claims. The Stigma and Subjectivity of Mental Health Claims The […]

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Challenging Denied Disability Claims: The Power of Holistic Legal Representation

If you’ve ever faced the daunting challenge of a denied disability claim, particularly one related to mental health, you understand the struggle that ensues. Despite the advancements in mental health awareness, the stigma persists and claims related to mental health disorders are often dismissed. At Kotak Law, we’re driven to change this narrative by providing […]

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Navigating the Path to Long-Term Disability Benefits: How to Apply

Disability benefits can be a lifesaver when you’re unable to work due to illness or injury. But, the process of applying can feel like a daunting labyrinth. It doesn’t have to be. In this post, we have simplified the process. Why is this important? Because understanding this process can be the difference between a smooth […]

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Five red flags to look for in your LTD denial

By Nainesh Kotak If you look below the surface of your long-term disability (LTD) denial, you may not find much substance. Injured workers could be forgiven for thinking that every decision to deny much-needed benefits is the product of a thorough assessment of their situation. Sadly, after more than three decades in practice dedicated to […]

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UNPACKING THE NEW CANADA DISABILITY ACT

In an effort to provide more significant support to people with disabilities, Ottawa recently introduced a new supplement, the Canada Disability Benefit (CDB). This initiative, viewed as a game-changer for many, aims to alleviate the financial stress experienced by Canadians living with disabilities. However, like all policies, it’s not without its controversies. Critics argue that […]

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