Blogs - Kotak Lawyers

Canada Life Long-Term Disability what happens after 2 years

Posted on August 30, 2024 by kotaklaw

What changes occur in Canada Life disability claims after 2 years? After 2 years, Canada Life long-term disability (LTD) claims typically undergo a significant change in the criteria used to determine continued eligibility for benefits. Initially, during the first two years, the definition of disability usually focuses on whether the claimant is unable to perform ...

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Stress Leave Ontario

Posted on August 28, 2024 by kotaklaw

What are the legal requirements for stress leave in Ontario? In Ontario, stress leave is generally categorized under medical leave, which is governed by both provincial employment standards and federal regulations. The Employment Standards Act (ESA) of Ontario provides the framework for job-protected leave for medical reasons, including stress-related conditions. Under the ESA, employees are ...

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Why Life Insurance Claims Get Denied

Posted on August 27, 2024 (August 27, 2024) by kotaklaw

What are the common reasons for life insurance claim denials? One common reason for life insurance claim denials is misrepresentation or non-disclosure of material information during the application process. If the policyholder fails to disclose pre-existing medical conditions, risky hobbies, or other pertinent details, the insurance company may argue that the policy was obtained under ...

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Stress Leave Alberta

Posted on August 22, 2024 (August 30, 2024) by kotaklaw

What are the eligibility criteria for stress leave in Alberta? To be eligible for stress leave in Alberta, an employee must be suffering from a medical condition that is recognized by a healthcare professional. This condition must be significant enough to impair the employee’s ability to perform their job duties effectively. A medical certificate from ...

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Employment Lawyer

Posted on August 21, 2024 (August 21, 2024) by kotaklaw

What are the common pitfalls in termination offers? One common pitfall in termination offers is the inclusion of inadequate severance pay. Employers may offer a severance package that is significantly less than what the employee is legally entitled to under Ontario’s Employment Standards Act (ESA) or common law. Consulting a lawyer can help ensure that ...

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Reasons Short-Term Disability Can Be Denied

Posted on August 20, 2024 (August 20, 2024) by kotaklaw

What are the common reasons for short-term disability claim denials? One common reason for short-term disability claim denials is insufficient medical evidence. Insurance companies require comprehensive documentation from healthcare providers to substantiate the claim. If the medical records do not clearly demonstrate the severity of the condition or its impact on the claimant’s ability to ...

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Long-Term Disability Claims in Red Deer Alberta

Posted on August 16, 2024 (August 21, 2024) by kotaklaw

What are common reasons for long-term disability claims in Red Deer? One common reason for long-term disability claims in Red Deer is chronic illnesses. Conditions such as diabetes, heart disease, and multiple sclerosis can severely impact an individual’s ability to work and perform daily activities, necessitating long-term disability support. Mental health disorders are another significant ...

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What Qualifies For Long-Term Disability in Ontario

Posted on August 14, 2024 (August 22, 2024) by kotaklaw

What conditions qualify for long-term disability Long-term disability (LTD) insurance in Ontario covers a wide range of medical conditions, both physical and mental. Chronic illnesses such as cancer, heart disease, diabetes, and multiple sclerosis are commonly recognized as qualifying conditions. These illnesses often require extensive treatment and long recovery periods, making it difficult for individuals ...

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Sun Life Denied Long-Term Disability Claim Ontario

Posted on August 12, 2024 (August 22, 2024) by kotaklaw

One common reason for denial of a long-term disability claim by Sun Life is the lack of sufficient medical evidence. If the documentation provided by the claimant does not convincingly demonstrate the severity or existence of the disability, the claim may be denied. This often includes incomplete medical records or insufficient details from healthcare providers. ...

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Trusted Fort McMurray Long-Term Disability Lawyers: Overcome Denials with Kotak Law

Posted on August 8, 2024 (August 14, 2024) by kotaklaw

Understanding Long-Term Disability Claims in Fort McMurray One common reason for long-term disability claim denials is insufficient medical evidence. Insurance companies require comprehensive documentation to substantiate the severity and impact of your condition. If the medical records, doctor’s notes, and diagnostic tests are not thorough or convincing enough, the claim may be denied. Another frequent ...

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