Blogs


Has RBC Denied Your Disability Insurance Claim?

RBC Insurance is the largest Canadian bank owned insurance organization. RBC sell short term and long term disability insurance policies. Many of our clients at Kotak Law have been surprised and upset when RBC has denied or terminated their disability insurance claim. Sometimes they are told that there is insufficient medical evidence or that the […]

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Is Sun Life Ending Your Disability Insurance Benefits After Two Years?

Have you received a letter from Sun Life stating that you have been receiving disability benefits for two years but those benefits will now be terminated?  You are not alone. Most Sun Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined.  Usually for the […]

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Chronic Pain entitles Car Accident Victim to receive Injury Compensation

Many accident victims who are injured in a motor vehicle accident endure serious and prolonged pain that reduces their quality of life for many years, even after their initial injury appears to have healed.  Debilitating chronic pain is well recognized in the medical community as a significant symptom of many forms of injury and illness.   […]

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How Your Disability Insurance Company Can Use Your Social Media Against You

Checking your social media represents the cheapest and quickest way for a disability insurance firm to look into your private life and perhaps learn about the validity of your claim. So it’s no surprise that this is an increasingly common practice – against which you should protect yourself. Social Media is increasingly being used in […]

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Is Great- West Life Stopping Your Disability Insurance Benefits After Two Years?

Have you received a letter from Great-West Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Great-West Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the […]

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Has Cigna Denied Your Disability Insurance Claim?

Cigna is an American worldwide health services organization based in Bloomfiled, Connecticut and Philadelphia, Pennsylvania.  Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance. One if its subsidiaries is Cigna Life Insurance Company of Canada whose head office is in Toronto, Ontario. According to wikipedia in 2017 Cigna had a […]

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Is Manulife Stopping Your Disability Benefits After Two Years?

Have you received a letter from Manulife stating that you have been receiving disability benefits for two years but those benefits will now be stopped?  You are not alone. Most Manulife disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined.  Usually for the first two […]

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Has Empire Life Denied Your Disability Insurance Claim?

The Empire Life Insurance Company (Empire Life) was first incorporated in 1923. Its head office is located in Kingston, Ontario. Empire Life is a subsidiary of E.L. Financial Corporation. In 2017 Empire Life boasted a net income of $170.936 million dollars.  Empire Life claims to have $17.3 billion in assets under its management. Empire Life […]

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Has Equitable Life Denied Your Disability Insurance Claim?

Equitable life of Canada (“Equitable Life”) states in its website that it is one of Canada’s largest mutual life insurance companies. It’s head office is located in Waterloo, Ontario.  In 2017 Equitable Life boasted a net income of $106 million and assets under its administration in the amount of $4.1 billion. Equitable life sells long […]

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Why Your Disability Claim Was Denied

Disability lawyer Nainesh Kotak has a wealth of experience winning disability claims cases. With experience, one gains an improved understanding of the nuance of each case – that’s what seperates the best lawyers from the adequate. However, there are broad steps that almost anyone should take to avoid denial of your disability claim: Know how […]

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