Blogs


New eBook demystifies complex world of disability benefit claims

A new eBook provides ordinary Ontarians with the tools they need to get through every stage of a disability claim, according to its author, Toronto disability lawyer Nainesh Kotak. Kotak, the principal and founder of Kotak Personal Injury Law, says the complicated process for claiming benefits and challenging denials can feel labyrinthine to anyone without […]

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How to navigate a disability claim for Long COVID

By Nainesh Kotak We’re still learning about the long-term effects of contracting COVID-19, but a recent report from an Ontario science advisory group estimates that between 57,000 and 78,000 people in the province had or are currently experiencing long-haul COVID symptoms. What constitutes long COVID varies, but it’s essentially when someone’s symptoms extend beyond the […]

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Preparation key to a successful examination for discovery

By Nainesh Kotak Facing questions from an insurance company’s lawyer may sound like a daunting prospect, but it doesn’t have to be once you know what to expect. Thorough preparation can take the anxiety out of an examination for discovery. To get you started, here are a few things to know about this key part […]

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Prepare for battle with LTD insurer at two-year mark in disability claim

By Nainesh Kotak Steel yourself for a fight with your long-term disability insurer two years after receiving your first benefit payment. Although the terms of each LTD group policy will differ, the vast majority take a crucial turn 24 months into the relationship when the test for coverage changes. For the first two years, workers […]

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Following treatment providers’ advice boosts health, strengthens LTD claim

Following your treatment providers’ advice is good for your long-term disability (LTD) claim as well as your health, says Toronto personal injury lawyer Nainesh Kotak. Employees who are forced off work because of a disability will typically end up seeing many medical professionals for a variety of reasons over the course of the LTD claim […]

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Better knowing your LTD group policy

By Nainesh Kotak No document is more important to your long-term disability claim than your group policy. When it comes down to it, the relationship between the insured person and their insurance company is governed by that contract, which is why it’s the first thing we ask our clients to provide when they’re having trouble […]

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Medical diagnosis not enough for many LTD insurers

Getting a medical diagnosis is only half the battle for many long-term disability (LTD) claimants, says Toronto disability lawyer Nainesh Kotak. Although a physician’s statement about the worker’s condition and the prognosis is a key part of a long-term disability claim, Kotak, the principal at Kotak Personal Injury Law, says insurers are rarely happy to […]

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Strategies for defeating common disability insurance roadblocks

When an insurance company denies or terminates a disability benefits claim, the person on the receiving end usually assumes that’s the final word, says Toronto disability lawyer Nainesh Kotak. What many claimants don’t know is that disability insurers routinely cut off or deny legitimate claims for a variety of reasons, but that doesn’t mean you […]

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HAS RBC STOPPED PAYING YOU SHORT TERM DISABILITY IN ONTARIO?

Royal Bank of Canada (RBC) is a Canadian multinational financial services company and the largest bank in Canada. RBC serves approximately ten million clients through its more than 1200 branches. RBC offers many of its employees short-term and long-term disability benefits through Manulife. Usually, RBC is responsible for the payment of short-term disability benefits and […]

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Woman wins legal battle against disability insurer

Group disability insurance is designed to give employees peace of mind if an illness or injury prevents them from working. Group insurance plans for short- and long-term disability provide financial protection by way of disability benefits, allowing someone to pay their rent or mortgage and other bills during their recovery. Too often, disability insurance claimants […]

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