Disability


Strategies for defeating common disability insurance roadblocks

Strategies for defeating common disability insurance roadblocks

When an insurance company denies or terminates a disability benefits claim, the person on the receiving end usually assumes that’s the final word, says Toronto disability lawyer Nainesh Kotak. What many claimants don’t know is that disability insurers routinely cut off or deny legitimate claims for a variety of reasons, but that doesn’t mean you […]

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HAS RBC STOPPED PAYING YOU SHORT TERM DISABILITY IN ONTARIO?

HAS RBC STOPPED PAYING YOU SHORT TERM DISABILITY IN ONTARIO?

Royal Bank of Canada (RBC) is a Canadian multinational financial services company and the largest bank in Canada. RBC serves approximately ten million clients through its more than 1200 branches. RBC offers many of its employees short-term and long-term disability benefits through Manulife. Usually, RBC is responsible for the payment of short-term disability benefits and […]

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Woman wins legal battle against disability insurer

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Group disability insurance is designed to give employees peace of mind if an illness or injury prevents them from working. Group insurance plans for short- and long-term disability provide financial protection by way of disability benefits, allowing someone to pay their rent or mortgage and other bills during their recovery. Too often, disability insurance claimants […]

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HAS TD STOPPED PAYING YOU SHORT TERM DISABILITY IN ONTARIO?

HAS TD STOPPED PAYING YOU SHORT TERM DISABILITY IN ONTARIO?

The Toronto-Dominion Bank is a Canadian multinational banking and financial services corporation headquartered in Toronto, Ontario.  The bank and it’s subsidiaries have over 89,000 employees and 26 million clients worldwide.  In Canada the bank operates as TD Canada Trust and serves more than 11 million customers. TD offers many of its employees short-term and long-term […]

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Social media dos and don’ts for disability insurance claimants

Social media dos and don’ts for disability insurance claimants

A recent news story about a Toronto woman who was off work because of a head injury and videotaped by the Workplace Safety and Insurance Board (WSIB) is an example of how far insurers will go to deny legitimate claims, says Toronto injury and disability lawyer Nainesh Kotak. Insurance companies have “tremendous resources” at their disposal […]

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Five questions to ask a disability lawyer before hiring one

Five questions to ask a disability lawyer before hiring one

Finding the right lawyer to represent you in a disability insurance claim can be challenging, but there are key questions to ask lawyers to ensure they’re a good fit for your situation, says Toronto personal injury and disability lawyer Nainesh Kotak. If your short- or long-term disability insurance claim has been denied or terminated, it’s […]

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Attending Treatment Appointments Critical For Disability Insurance Claimants

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When you live with chronic pain –– physical or psychological –– even the simple act of getting out of bed can be a monumental challenge. Whether you’re battling cancer, depression, fibromyalgia or another serious illness, it impacts every area of your life –– work, social, financial, emotional and spiritual. If you’re on leave from work […]

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Has OTIP Denied your Long Term Disability (LTD) Claim?

Has OTIP Denied your Long Term Disability (LTD) Claim?

Ontario Teachers Insurance Plan (OTIP) The Ontario Teachers Insurance Plan (OTIP) provides employee group benefits, including long term disability (LTD) insurance for unionized teachers in Ontario. OTIP is the plan administrator, which provides assistance with enrolment, eligibility, benefits and premiums, as well as claims for life, health and dental care. OTIP assesses each long term […]

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Mental health disability claims rising during COVID-19

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There has been a sharp rise in stress and anxiety throughout the pandemic, resulting in more mental health-related disability claims, says Toronto personal injury and disability lawyer Nainesh Kotak. A global study conducted by Workplace Intelligence found that increased stress and anxiety have negatively affected the mental health of 78 percent of the global workforce, […]

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IS CANADA LIFE STOPPING YOUR DISABILITY BENEFITS AFTER TWO YEARS?

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Have you received a letter from Canada Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You would be surprised how often this happens. Most Canada Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is […]

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