By Nainesh Kotak Having your long-term disability (LTD) claim wrongly denied or terminated can feel like a devastating blow, but challenging an insurer’s decision shouldn’t be overwhelming for injured workers. At Kotak Law, we see an LTD denial challenge as a collaborative effort between lawyer and client. Working as a team, we break your matter […]
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Read More… from How to challenge an LTD denial in five simple steps
By Nainesh Kotak If I had my way, disabled workers injured badly enough to exhaust their short-term disability (STD) coverage would move swiftly and smoothly onto long-term disability (LTD), leaving them free to concentrate on their recovery. Sadly, after almost 30 years in legal practice advocating on behalf of injured workers, I’ve learned that insurers […]
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By Nainesh Kotak Getting the long-term disability (LTD) benefits you are entitled to can be a challenging process, so starting your claim off on the right track is crucial. As I approach three decades in legal practice advocating for injured workers, I know as well as anyone that insurers will never make the LTD application […]
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Read More… from Five mistakes to avoid in your LTD application to improve your odds of success
By Nainesh Kotak Proactive and open communication with your long-term disability (LTD) insurer could help preserve your benefits or boost your case in court if they are ever terminated. I can understand why injured workers may not like the idea of becoming well acquainted with their insurance company after they begin receiving LTD benefits, but […]
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Read More… from Keep LTD insurers in the loop to minimize the risk of benefits termination
By Nainesh Kotak The wheels of justice do not always grind slowly for injured workers denied benefits by their disability insurers. Our court system has a well-earned reputation for sluggishness and inefficiency; you don’t have to search for long to find litigation horror stories from disabled people who fought it out for years in court […]
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Read More… from Swift reaction to STD and LTD denial leads to quick settlement
Albertan long-term disability (LTD) claimants have a new ally in their fight to obtain benefits: personal injury lawyer Nainesh Kotak. Kotak, the principal at Kotak Personal Injury Law, recently celebrated the opening of the firm’s new Calgary and Edmonton locations, boosting its office count to five, including its existing sites in Mississauga, Brampton, and Toronto. […]
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Read More… from Kotak Law ready to take on long-term disability denials in Alberta
By Nainesh Kotak Long-term disability (LTD) benefit denials based on pre-existing conditions do not have to be the end of the road for injured workers in need of benefits. Although the terms of each LTD group policy will differ, almost all include an exclusionary provision preventing claimants from obtaining benefits for an illness or injury […]
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Read More… from Understanding pre-existing condition exclusions in LTD policies
By Nainesh Kotak After more than 25 years in legal practice advocating on behalf of employees who are unable to work as a result of illness or injury, you develop a sense of the most pressing questions people will have about long-term disability (LTD). Few people give their LTD insurance policy even a moment’s thought […]
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Read More… from Your top five long-term disability insurance questions answered
By Nainesh Kotak Following the advice of your doctor and other treatment providers is critical for long-term disability (LTD) claimants with serious addiction issues. Alcohol and drug abuse spring most easily to mind when people think of addiction, and problematic use of these substances features commonly in LTD claims – but not exclusively. Behavioural disorders […]
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Read More… from Adherence to treatment plans critical in addiction-related LTD claims
Nainesh Kotak’s career has been built on the notion of giving back. As one of Canada’s leading disability lawyers, Kotak helps Canadians suffering from physical and mental health conditions through long-term disability cases at his practice, Kotak Personal Injury Law. In addition to helping individuals who have been wronged by insurance companies, Kotak is a […]
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Read More… from Kotak builds thriving law practice by leading with empathy
Kotak Personal Injury Law is a Registered business name of Nainesh Kotak Professional Corporation.
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