Blogs


Adherence to treatment plans critical in addiction-related LTD claims

Adherence to treatment plans critical in addiction-related LTD claims

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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Kotak builds thriving law practice by leading with empathy

Kotak Law

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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Long COVID sufferers battle insurers as well as the condition

kotak on long covid sufferers battle

By Nainesh Kotak Disabled employees are getting caught in the middle as insurance companies lag the medical community’s growing awareness of the enduring effects COVID-19 infections can have on some patients. The New York Times newspaper recently reported on a U.S. analysis of nearly 80,000 long-term disability claims for long COVID — the catch-all term […]

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Private LTD policyholder wins significant settlement following early termination of benefits

Private LTD policyholder wins significant settlement following early termination of benefits

By Nainesh Kotak Private long-term disability insurance policies enjoy a reputation for more attractive terms compared with their group policy counterparts, but that doesn’t mean that the injured workers covered by them can expect a smooth ride from their insurer when it comes time to make a claim. These individually sold policies are a key […]

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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

kotak-law

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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Man wins financial settlement from LTD insurer following termination of benefits

Man wins financial settlement from LTD insurer following termination of benefits

Getting approved for long-term disability benefits is only part of the battle for employees who are unable to work as a result of an illness or injury. The sad reality is that claimants need to steel themselves for further fights with their insurer at various stages of the process — often years after receiving their […]

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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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