Your LTD Insurer Wants Your CPP Disability Back Pay. Here’s What to Know Before You Pay It.

Posted on October 12, 2026 (October 12, 2026) by Nainesh Kotak

CPP Disability Back Pay and LTD Offsets | Kotak Law

Quick Answer : Most group long-term disability (LTD) policies in Canada let the insurer reduce your monthly LTD benefit by the amount of any CPP Disability benefit you receive for the same period. When CPP Disability is approved, Service Canada usually pays a lump sum covering past months. If your insurer paid you full LTD ...

...

Long-Term Disability Claim Denied or Terminated? What to Do Next

Posted on September 18, 2026 (October 1, 2026) by Nainesh Kotak

Getting a letter from your insurer denying or cutting off your long-term disability (LTD) benefits can feel like the end of the road. It isn’t. Denials and terminations are common, and in many cases they can be challenged successfully — most effectively with legal advice guiding the next step. This article walks through the difference ...

...

E-Scooter Insurance in Canada: Are You Actually Covered If Something Goes Wrong?

Posted on September 17, 2026 (October 1, 2026) by Nainesh Kotak

Electric scooters have quickly become a common way to get around Canadian cities. They are convenient, relatively inexpensive and increasingly available through both private ownership and shared rental programs. But the law governing them has not developed nearly as quickly. Insurance legislation still relies on concepts such as “automobile,” “motor vehicle,” “occupant” and “pedestrian.” Those ...

...

How to Choose a Long-Term Disability Lawyer

Posted on September 15, 2026 (October 1, 2026) by Nainesh Kotak

Choosing a long-term disability lawyer is not just about finding someone who “handles claims.” It is about choosing a firm that understands insurer tactics, policy language, and the practical demands of disability disputes. The right lawyer can shape how confidently you move forward and how well your case is positioned from the start. Why the ...

...

Mental Health and LTD: 5 Things Every Canadian Employee Needs to Know

Posted on August 14, 2026 (August 14, 2026) by Nainesh Kotak

Mental health conditions can affect every part of a person’s life — including their ability to work. Depression, anxiety, post-traumatic stress disorder (PTSD), and other mental health conditions can make it difficult or sometimes impossible to meet the demands of a job. Yet employees who need to take time away from work often worry that ...

...

When Should an Older Driver Stop Driving? Warning Signs Every Family Should Know

Posted on August 3, 2026 (August 3, 2026) by Nainesh Kotak

Driving represents much more than transportation. For many older drivers, it provides independence, freedom, and the ability to remain connected with family, friends, healthcare appointments, and their community. But as we age, physical and cognitive changes can gradually affect our ability to drive safely, and recognizing those changes early is one of the most important ...

...

You’re Not Out of Time: What Ontario Survivors Should Know

Posted on July 29, 2026 (July 29, 2026) by Nainesh Kotak

A short guide to one of the most common myths survivors believe about pursuing a claim. If you are in immediate danger, call 911. The Assaulted Women’s Helpline (1-866-863-0511, 24/7) and the Ontario Victim Support Line (1-888-579-2888) can connect you with support. If you were sexually abused years — or decades — ago, you may ...

...

Denied Long-Term Disability Benefits in Alberta? What Insurers Don’t Want You to Know

Posted on July 27, 2026 (July 27, 2026) by Nainesh Kotak

If your long-term disability benefits have been denied, delayed or cut off in Alberta, the insurer’s decision is not necessarily the final word. An insurance company’s denial letter represents its position on your claim. It is not a court judgment, and it does not necessarily mean you have failed to satisfy the legal requirements for ...

...

One Car Accident, Five Insurance Claims: Why You Need to Understand How They All Fit Together

Posted on July 13, 2026 (July 14, 2026) by Nainesh Kotak

If you’ve been seriously hurt in a car accident in Ontario, there’s a good chance you’re not dealing with one insurance claim. You’re dealing with several — often at the same time, often with conflicting information, and often without anyone explaining how they connect. We hear the same two misconceptions from prospective clients almost every ...

...

Canada Life “Any Occupation” Denials for Depression and Anxiety

Posted on July 6, 2026 (October 16, 2026) by Nainesh Kotak

Canada Life-Denials for Depression and Anxiety

If your Canada Life long-term disability benefits were cut off around the two-year mark, you are not alone — and the timing is not a coincidence. This is the point where many Canada Life group long-term disability policies change the definition of “disability.” It is also one of the most common stages at which mental ...

...

Blogs