Blogs


What to expect from a long-term disability settlement

What to expect from a long-term disability settlement

By Nainesh Kotak A lump-sum settlement can provide the clean break many disabled employees are looking for from their long-term disability lawsuits. Although many insured people start out hoping a full recovery will enable a return to work, by the time they have been forced to sue their insurance company in court for an unfair […]

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The challenges of disability claims for workplace stress

The challenges of disability claims for workplace stress

By Nainesh Kotak Employees across the country are experiencing unprecedented levels of stress. In a recent survey, almost one quarter (24 per cent) of respondents said their work-related stress has escalated. A significant portion of employees cited burnout symptoms, such as sleep problems, constant worrying and lack of concentration. Another study shows that the main […]

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DENTIST DISABILITY INSURANCE CLAIM DENIED

Dentist Disability Insurance Claim Denied

Dentists often purchase private disability policies through a broker at the start of their career. They do this for peace of mind knowing that as their practice grows their financial obligations will too. Dentists usually chose policies that provide a significant monthly disability benefit that is non taxable and contains a cost of living increase […]

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Some LTD insurers take advantage of failed returns to work

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By Nainesh Kotak No injured employee should be punished for a failed attempt to return to work, but long-term disability (LTD) insurers often find a way. Everybody wins when a once-disabled worker recovers to the point that they feel ready to go back to the workplace — as long as their doctors agree it’s safe […]

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Understanding punitive and aggravated damages in LTD claims

LTD Claims

By Nainesh Kotak If someone has been improperly denied long-term disability (LTD) benefits in a way that caused additional harm to their financial, emotional or mental wellbeing, they may be entitled to receive compensation over and above the past benefits owing. Not every case gives rise to these extracontractual damages — more commonly known as […]

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COVID-related delays the latest weapon for LTD insurers denying mental health claims

COVID-related delays the latest weapon for LTD insurers denying mental health claims

By Nainesh Kotak Pandemic-related delays in mental health care are the latest weapon in the arsenal of insurance companies fighting long-term disability (LTD) claims. Our healthcare system has never been perfect, and waiting lists are a fact of life for many Canadians, regardless of your medical ailment. Mental health services have traditionally suffered from a […]

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New eBook demystifies complex world of disability benefit claims

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

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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