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Toronto Cyclist suffers Spinal Injury when Driver fails to yield

Nov 04, 2019
The City of Toronto has committed to new infrastructure and changes in regulations to eliminate cycling fatalities by 2021, but disturbingly, we have not seen the expected a decline in cycling accidents which often result when drivers don’t yield to pedestrians or take due care. Read about a recent personal injury action involving a Toronto cyclist who was hit by a car and suffered a serious back injury and chronic pain. … Read more

How to prove that you are disabled when applying for long term disability benefits

Oct 21, 2019
If you are fortunate enough to have a long term disability policy through work or privately it is important to know what you must do in order to increase your chances of your … Read more

Chronic Pain may entitle you to a higher level of Accident Benefits under your Vehicle Insurance

Oct 15, 2019
Persons suffering from chronic pain after being injured in a car accident are all too often denied needed benefits, beyond the low amount of ‘no fault’ accident benefits they can claim under MIG. In a 2019 insurance dispute, the arbitrator found that a man suffering from chronic pain long after he should have healed is eligible for a higher level of benefits. … Read more

Car Accident results in life-changing Brain Injury

Sep 04, 2019
Traumatic brain injury can have physical, cognitive, behavioural and emotional effects and may diminish a person’s normal function, social relationships and quality of life. In a Toronto car accident claim, the Court awarded over $3 Million in damages after a man suffered a disabling brain injury in a car accident. … Read more

Multiple Sclerosis causes Disability for many Canadians

Aug 09, 2019
Scientists have not solved the mystery of why multiple sclerosis affects so many Canadians, particularly women. MS is a neurological condition with serious and permanent affects and often results in long-term disability, … Read more

Over $2 Million in Damages awarded when Plaintiff with Serious Pre-Existing Conditions is injured in Pedestrian Accident

Jul 03, 2019
A man with pre-existing conditions that qualified him for long-term disability benefits was injured in a pedestrian accident. In a subsequent civil action against the at fault driver, an Ontario Court found that the man’s ability to function and quality of life diminished measurably after the accident and awarded the plaintiff’s family over $2 Million in damages. … Read more

Tips on Appealing Disability Claim Denial

Jun 26, 2019
If your short term or long term disability claim has been denied by your disability insurer, here are some helpful hints to help you fight your disability insurance company and get paid … Read more

Is Your Disability Insurance Company Sending You to An Independent Medical Examination (IME)?

Jun 12, 2019
Often, while adjudicating or managing a short term or long term disability claim, insurance companies send people to a so called Independent Medical Examination (IME) … Read more

Why you may need Critical Illness Coverage and How it differs from Disability Benefits

Jun 03, 2019
Critical illness coverage provides a lump sum payment for persons diagnosed with a life-changing illness such as heart disease or cancer, unlike disability benefits which provide income replacement during the period of disability … Read more

How long do Long-term Disability Insurance Benefits last?

May 27, 2019
Once you have been approved for long term disability benefits you may be wondering how long those disability benefits will continue to be paid by your disability insurer … Read more

Third-party Insurer is ordered to provide Coverage in Toronto Pedestrian Accident

May 02, 2019
A pedestrian was severely injured in a Toronto car accident and the Court ruled that her husband’s employer’s vehicle insurance must provide excess coverage … Read more

5 Reasons a Disability Claim May Be Denied and What Can Be Done

Apr 15, 2019
If you have been denied short term or long term disability benefits by a disability insurance company you are no doubt feeling anxious about the process … Read more

Do You Feel That Cigna Has Unfairly Denied Your Disability Claim?

Apr 12, 2019
At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your anger with your disability insurance company … Read more

Disability caused by a Fractured Femur, Tibia or Pelvis

Apr 08, 2019
Fractures to the femur, tibia and pelvis are serious injuries and often result in long-term disability until the injured person fully regains their strength and is able to function effectively in their job … Read more

Do You Feel that Your Short Term Disability Claim has Been Unfairly Denied by Great West Life?

Mar 25, 2019
The lawyers at Kotak Personal Injury Law are familiar with the manner in which long term disability claims are denied by disability insurance companies … Read more

Family Members awarded Substantial Damages in Car Accident Lawsuit

Mar 12, 2019
A driver ran a red light and crashed into the plaintiffs’ vehicle, injuring a mother and two of her children, and causing fatal injuries for the youngest child. In a civil lawsuit against the negligent driver, an Ontario court awarded the family in excess of $1 Million in damages … Read more

Do You Feel That Manulife Has Unfairly Denied Your Short Term Disability Claim?

Feb 19, 2019
If you have been denied short term or long term disability benefits by Manulife or another disability insurance company you are no doubt feeling fatigued by the process … Read more

Car Accident Injury Lawsuit and Disability Claim Dispute are tried together

Feb 12, 2019
If you’re injured in a car accident caused by a negligent driver you have several options for compensation, including a personal injury lawsuit, statutory accident benefits and long-term disability benefits. In a recent case, the Courts permitted an injured woman to try her lawsuit and LTD claim together … Read more

Was Your Short Term Disability Claim Denied After an Insurance Company Did a Paper Review?

Feb 05, 2019
You may be asking yourself how can my short term disability insurance carrier deny my claim based on a report from a doctor who has never even met me. Unfortunately, this happens all the time … Read more

Talking to Your Doctor When You Have a Disability Claim

Jan 28, 2019
How you speak with your doctor is of utmost importance when you are applying for short term disability and long term disability benefits. Disability insurance companies will look through your medical records to see how your impairments actually affect your ability to function … Read more

Do You Feel that You are Being Treated Unfairly by Sun Life?

Jan 25, 2019
Have you been denied short term or long term disability benefits by Sun Life or another disability insurance company? At Kotak Law we are committed to helping people access the disability benefits they have been denied … Read more

Has Manulife Stopped Paying You Long Term Disability Benefits Because You Didn’t Complete Its Rehab or Return to Work Plan?

Jan 08, 2019
If you have been denied short term or long term disability benefits by Manulife or another disability insurance company you are no doubt feeling frustrated by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied … Read more

Asthma and other Respiratory Conditions can cause Long-term Disability

Jan 02, 2019
Chronic respiratory disorders such as asthma, sleep apnea, and COPD, including bronchitis and emphysema, can prevent a person from performing many activities, including their job. And sometimes, your workplace environment may actually trigger or worsen symptoms. … Read more

Did Sun Life Say that there is Not Enough Medical Evidence to Support Your Disability Insurance Claim?

Dec 18, 2018
If you have been denied short term or long term disability benefits by Sun Life or another disability insurance company you are no doubt feeling fatigued by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied … Read more

A Guide to Your Relationship with Your Disability Claim Lawyer

Dec 10, 2018
Your disability lawyer will undoubtedly have experience in representing many people who have been denied disability benefits. A disability lawyer will understand that each case can be different … Read more

Has Desjardins Denied Your Long Term Disability Claim After Two Years?

Dec 04, 2018
Have you received a letter from Desjardins stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone and we can help you … Read more

Was Your Long Term Disability Claim Denied Because You Applied Too Late?

Nov 30, 2018
Sometimes disability claims are denied by insurers on the basis that the application was filled too late. There are many reasons why people file their claim outside of the insurance policy timelines. … Read more

Fibromyalgia and Long Term Disability Claims

Nov 22, 2018
At Kotak Law we represent people with Fibromyalgia who have been denied disability benefits. We work tirelessly on our clients’ behalf. We are approachable and will guide you through the entire process. … Read more

PTSD and Disability Claims

Nov 19, 2018
Unfortunately, many people who suffer from PTSD suffer in silence. Many are overwhelmed and unable to work due to the magnitude of their symptoms. Often disability insurance companies will deny disability claims based on PTSD on the grounds that there is insufficient medical evidence … Read more

Is Equitable Life Stopping Your Disability Insurance Benefits After Two Years?

Nov 15, 2018
Have you received a letter from Equitable Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone and we can help you. … Read more
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