Blogs - Page 13 of 22 - Kotak Lawyers

Will the Legalization of Pot result in more Injuries?

Posted on October 19, 2018 (June 16, 2023) by Kotak Law

Effective October 17th, Canadians can purchase legal recreational marijuana from approved vendors. In Ontario, adults 19 and over may now possess a maximum of 30 grams of pot in public. There is no limit on the amount of dried cannabis you may have at home, but households cannot grow more than 4 marijuana plants. After ...

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Did Manulife Deny Your Disability Insurance Claim Due to Insufficient Medical Evidence?

Posted on October 12, 2018 (April 15, 2024) by Kotak Law

Does this scenario look familiar? You are unable to work due to a disability such as stress, anxiety, headaches or pain. You apply to Manulife for disability insurance benefits. You send in your application and a physician statement from your family doctor. You get a call or letter from Manulife denying your disability claim on ...

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Is Empire Life Stopping Your Disability Benefits After Two Years?

Posted on October 9, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from Empire Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Empire Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the ...

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Canada Pension Plan (CPP) vs. Long-term Disability Benefits

Posted on October 3, 2018 (June 16, 2023) by Kotak Law

There are several types of financial aid that may be available to you, if you become disabled due to illness or injury and are unable to work. The two most common types of disability benefits available to Canadians are the Canada Pension Plan (CPP) and long-term disability (LTD) coverage. For both LTD and CPP applications ...

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4 Signs That Your Disability Insurance Company Is Going To Deny Or Terminate Your Disability Claim

Posted on September 26, 2018 (June 16, 2023) by Kotak Law

Unfortunately, many disability insurance companies will try to find a reason to deny or terminate your short or long term disability benefits. Here are some tell tale signs you should watch out for. 1. Surveillance – Disability insurance companies will hire private investigators to follow you with the hope that they catch you doing something ...

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Is Industrial Alliance Stopping Your Disability Benefits After Two Years?

Posted on September 18, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from Industrial Alliance stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Industrial Alliance disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the ...

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Is London Life Stopping Your Long Term Disability Insurance Benefits After Two Years?

Posted on September 14, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from London Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most London Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the ...

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Why Your Disability Claim Was Denied

Posted on September 13, 2018 (May 2, 2024) by Kotak Law

Though every claim is different, there are some common reasons that a disability claim may be denied. These reasons may or may not be legitimate – you know better than anyone else whether you have a genuine disability forcing you out of the workforce. 1) There is insufficient medical evidence of your disability 2) Inappropriate medical treatment ...

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5 Things Your Disability Insurance Lawyer Wants You To Know

Posted on September 6, 2018 (June 16, 2023) by Kotak Law

Being denied short or long term disability benefits or having your insurance benefits terminated can plunge you into a financial crisis and increase your stress burden. Here are five important details that you should know to help get your through these difficult times. 1. DON’T PLAY THE INTERNAL APPEAL GAME WITH YOUR INSURANCE COMPANY Disability ...

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Driver entitled to Accident Benefits when injured outside their Vehicle

Posted on September 2, 2018 (June 16, 2023) by Kotak Law

In a recent case, the vehicle insurer contested an Arbitrator’s decision that the insured was entitled to Accident Benefits under his automobile insurance policy, when the accident victim’s injuries occurred while outside his vehicle and resulted from being pushed by a passenger. This case, North Waterloo Farmers Mutual Insurance Co. v. Samad (2018), involved a ...

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