Former athlete triumphs in lawsuit against LTD insurer despite late claim filing

Posted on June 16, 2023 (July 5, 2024) by Kotak Law

Questioning your medical condition is not the only way insurers could challenge a claim for long-term disability benefits. In many cases, disability insurance companies will attempt to sidestep any assessment of a person’s ability to work, seizing instead on “technicalities” to deny an injured worker’s claim based on deficiencies in their application. Being forced off ...

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How to challenge an LTD denial in five simple steps

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

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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Don’t get lost in transition: Tips for migrating from short-term to long-term disability

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

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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Five mistakes to avoid in your LTD application to improve your odds of success

Posted on March 20, 2023 (July 5, 2024) by Kotak Law

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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Keep LTD insurers in the loop to minimize the risk of benefits termination

Posted on February 17, 2023 (July 5, 2024) by Kotak Law

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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Swift reaction to STD and LTD denial leads to quick settlement

Posted on January 20, 2023 (July 5, 2024) by Kotak Law

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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Kotak Law ready to take on long-term disability denials in Alberta

Posted on December 15, 2022 (July 5, 2024) by Kotak Law

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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Understanding pre-existing condition exclusions in LTD policies

Posted on November 17, 2022 (July 5, 2024) by Kotak Law

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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Your top five long-term disability insurance questions answered

Posted on October 25, 2022 (July 5, 2024) by Kotak Law

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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Adherence to treatment plans critical in addiction-related LTD claims

Posted on September 21, 2022 (July 2, 2024) by Kotak Law

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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