Blogs - Page 14 of 22 - Kotak Lawyers

Eligibility and Applying for Long-term Disability Benefits

Posted on August 22, 2018 (June 16, 2023) by Kotak Law

What is long-term disability (LTD) coverage? Long-term disability coverage provides a person with a portion of their income when they are unable to return to work due to an illness or injury, for example, resulting from injuries caused by a motor vehicle accident. Someone who is disabled can use their LTD ‘income replacement’ coverage to […]

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Your Ontario Short And Long Term Disability Insurance Company Can Deduct Some Other Benefits You May Receive

Posted on August 15, 2018 (June 16, 2023) by Kotak Law

Short and long term disability insurance policies contain offset provisions. Typically your disability insurance company can deduct money you receive from the following sources: Canada Pension Disability payments WSIB payments severance payments retirement allowances from your employer In fact many disability insurance policies stipulate that if Canada Pension Plan disability benefits or WSIB benefits are […]

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Has London Life Denied Your Disability Insurance Claim?

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

London Life Insurance Company (“London Life”) was founded in London, Ontario, in 1874. London Life is part of The Great-West Assurance Company. London Life states on its website that it has $100 Billion in retirement and investment holdings. London Life sells long term and short term disability insurance policies. Many of those disability insurance policies […]

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Qualifying for Disability Benefits for Chronic Fatigue Syndrome

Posted on August 13, 2018 (June 16, 2023) by Kotak Law

Persons suffering from chronic fatigue syndrome (CFS) have typically been struggling with their symptoms for a long time before being diagnosed. In fact, only about 30 per cent of CFS sufferers are properly diagnosed in the first year. To make matters worse, persons with chronic fatigue syndrome are sometimes stigmatized or told that they are […]

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No One Expects Their Long Term Disability Claim To Be Denied

Posted on August 13, 2018 (June 16, 2023) by Kotak Law

No one expects their long term disability claim to be denied, but if this has happens to you it is important that you know how common this is. Claims adjusters routinely deny long term disability claims, and your claim being denied by your insurer does not mean that you are out of options. When you have long-term […]

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Has Your Disability Insurance Claim Been Denied Due to a Pre-Existing Condition?

Posted on July 27, 2018 (June 16, 2023) by Kotak Law

Many short term disability and long term disability policies contain a provision to exclude coverage for pre-existing conditions if the disability occurs within one year after disability coverage begins. Typical wording in disability insurance policies is that a pre-existing condition is not covered if the employee was treated by or consulted a health practitioner for […]

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The Importance of Mediation in Long Term Disability Disputes

Posted on July 24, 2018 (June 16, 2023) by Kotak Law

Mediation is similar to a settlement conference and is used in almost all long term disability cases during a law suit. It is important because it facilitates an opportunity for you and your long term disability insurer to meet in person and reach a successful and voluntary resolution of your dispute. The mediator is neutral […]

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Anxiety And Depression Leading To Disability Claims

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

Depression and anxiety are two of the most common illnesses to force Canadians from the workforce. Both can be prompted by factors unrelated to one’s employment, but are also frequently brought on by work-related stress – such as dealing with long and difficult work, or difficult colleagues. Disability insurance claims based on depression and anxiety are […]

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Has RBC Denied Your Disability Insurance Claim?

Posted on July 17, 2018 (June 16, 2023) by Kotak Law

RBC Insurance is the largest Canadian bank owned insurance organization. RBC sell short term and long term disability insurance policies. Many of our clients at Kotak Law have been surprised and upset when RBC has denied or terminated their disability insurance claim. Sometimes they are told that there is insufficient medical evidence or that the […]

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Is Sun Life Ending Your Disability Insurance Benefits After Two Years?

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

Have you received a letter from Sun Life stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone. Most Sun 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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