Five mistakes to avoid in your LTD application to improve your odds of success

Posted on March 20, 2023 (July 5, 2024)

By Nainesh Kotak Getting the long-term disability (LTD) benefits you are entitled to can be a challenging process, so starting your claim off on the right track is crucial. As I approach three decades in legal practice advocating for injured workers, I know as well as anyone that insurers will never make the LTD application […]

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Keep LTD insurers in the loop to minimize the risk of benefits termination

Posted on February 17, 2023 (July 5, 2024)

By Nainesh Kotak Proactive and open communication with your long-term disability (LTD) insurer could help preserve your benefits or boost your case in court if they are ever terminated. I can understand why injured workers may not like the idea of becoming well acquainted with their insurance company after they begin receiving LTD benefits, but […]

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Swift reaction to STD and LTD denial leads to quick settlement

Posted on January 20, 2023 (July 5, 2024)

By Nainesh Kotak The wheels of justice do not always grind slowly for injured workers denied benefits by their disability insurers. Our court system has a well-earned reputation for sluggishness and inefficiency; you don’t have to search for long to find litigation horror stories from disabled people who fought it out for years in court […]

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Kotak Law ready to take on long-term disability denials in Alberta

Posted on December 15, 2022 (July 5, 2024)

Albertan long-term disability (LTD) claimants have a new ally in their fight to obtain benefits: personal injury lawyer Nainesh Kotak. Kotak, the principal at Kotak Personal Injury Law, recently celebrated the opening of the firm’s new Calgary and Edmonton locations, boosting its office count to five, including its existing sites in Mississauga, Brampton, and Toronto. […]

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Understanding pre-existing condition exclusions in LTD policies

Posted on November 17, 2022 (July 5, 2024)

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 […]

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Your top five long-term disability insurance questions answered

Posted on October 25, 2022 (July 5, 2024)

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 […]

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Adherence to treatment plans critical in addiction-related LTD claims

Posted on September 21, 2022 (July 2, 2024)

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 […]

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Kotak builds thriving law practice by leading with empathy

Posted on August 15, 2022 (June 16, 2023)

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 […]

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Long COVID sufferers battle insurers as well as the condition

Posted on July 16, 2022 (July 5, 2024)

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 […]

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Private LTD policyholder wins significant settlement following early termination of benefits

Posted on June 14, 2022 (July 5, 2024)

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 […]

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