One of the most frustrating experiences for disability claimants is learning their benefits were denied based on a medical opinion from a doctor who never examined them. These decisions are often justified through what insurers call a “paper review” or “file review.” We understand how devastating it can be to have your claim denied, especially […]
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Read More… from Denied Disability Benefits? Challenge Insurance Paper Reviews
Receiving a denial or termination of your disability benefits can be devastating. In a city like Toronto—where the cost of living is high and financial pressure escalates quickly—losing long-term disability (LTD) or short-term disability (STD) benefits can put your home, health, and family security at risk. If your disability claim has been denied or your […]
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Read More… from Denied Disability Benefits in Toronto? Your Legal Options
Receiving a letter from your insurance company stating your disability benefits are being terminated is a deeply distressing experience. For many Canadians, these benefits are the primary—or only—source of income. When they stop suddenly, the financial, emotional, and medical consequences can feel overwhelming. If your long-term disability (LTD) or short-term disability (STD) benefits have been […]
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Read More… from What Happens After Your Disability Benefits Are Cut Off?
News headlines move quickly, but the legal consequences behind major policy shifts often unfold quietly and over time. When a social or technological issue dominates public discussion, it is important to look beyond commentary and understand the legal framework shaping what happens next. One such issue is the expanding use of digital identity systems across […]
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Read More… from Navigating the Noise: Digital Identity, Privacy Law, and Disability Claims in Canada
If illness or injury prevents you from working, short-term disability (STD) benefits can be a critical financial lifeline. For many Alberta workers, these benefits are the first source of income replacement while they focus on recovery. Unfortunately, valid short-term disability claims are frequently delayed or denied by insurers. Understanding how short-term disability benefits work in […]
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Disability insurance benefits are meant to provide financial stability while you focus on your health. Yet, many people are shocked to learn that insurance companies sometimes conduct surveillance on disability claimants. This practice can feel invasive and create anxiety about everyday activities. Being watched, filmed, or followed is unsettling. Everyday tasks—like buying groceries, attending a […]
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Read More… from Can Insurers Use Surveillance to Cut Off Disability Benefits?
When you become unable to work because of illness or injury, your long-term disability (LTD) benefits are supposed to protect you. You pay premiums with the expectation that Sun Life will support you during a time of real vulnerability. But for many policyholders, the opposite happens: Sun Life delays, reduces, or denies the LTD benefits […]
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Read More… from Sun Life LTD Denials: Why Claims are Denied and What to Do
Workplace accommodations are often the first step when an illness or injury affects your ability to work. Supports like reduced hours, modified duties, remote work, or flexible scheduling can help many people stay employed. But for some, even these adjusted duties become overwhelming or impossible to sustain over time. When that happens, you might be […]
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Read More… from What to Do When Workplace Accommodations Fail in Canada
Remote and hybrid work have fundamentally changed how Canadians earn a living. While flexible schedules and home offices offer convenience for many, they have also complicated how insurance companies assess long-term disability (LTD) claims. A growing number of employees are asking: “If I work from home, can the insurance company say I’m not disabled?” It […]
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Read More… from Can Remote Workers Qualify for Disability Benefits in Canada?
When you apply for Canada Pension Plan Disability (CPP-D) benefits, you expect fairness, compassion, and clarity—especially when you are unable to work due to a serious medical condition. Unfortunately, many valid CPP disability claims are denied, leaving people frustrated, overwhelmed, and unsure of what to do next. At Kotak Law, we represent individuals across Canada […]
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Read More… from CPP Disability Denials in Canada: Why Claims Are Refused and How to Fight Back
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