LAT vs Court: Why the System Is Failing Disabled Ontarians

Posted on April 15, 2026 (April 15, 2026) by kotaklaw

For injured and disabled Ontarians, statutory accident benefits are supposed to act as a reliable safety net. Following a severe motor vehicle collision, these funds provide essential medical care, income replacement, and rehabilitation support. However, for many claimants navigating the system, accessing this support feels like wandering through an endless maze. Since Ontario transitioned statutory ...

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Denied Disability Benefits? Challenge Insurance Paper Reviews

Posted on January 15, 2026 (January 15, 2026) by kotaklaw

One of the most frustrating experiences for disability claimants is learning their benefits were denied based on a medical opinion from a doctor who never examined them. These decisions are often justified through what insurers call a “paper review” or “file review.” We understand how devastating it can be to have your claim denied, especially ...

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Denied Disability Benefits in Toronto? Your Legal Options

Posted on January 14, 2026 by kotaklaw

Receiving a denial or termination of your disability benefits can be devastating. In a city like Toronto—where the cost of living is high and financial pressure escalates quickly—losing long-term disability (LTD) or short-term disability (STD) benefits can put your home, health, and family security at risk. If your disability claim has been denied or your ...

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What Happens After Your Disability Benefits Are Cut Off?

Posted on January 12, 2026 by kotaklaw

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Receiving a letter from your insurance company stating your disability benefits are being terminated is a deeply distressing experience. For many Canadians, these benefits are the primary—or only—source of income. When they stop suddenly, the financial, emotional, and medical consequences can feel overwhelming. If your long-term disability (LTD) or short-term disability (STD) benefits have been ...

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Can Insurers Use Surveillance to Cut Off Disability Benefits?

Posted on December 29, 2025 by kotaklaw

Disability insurance benefits are meant to provide financial stability while you focus on your health. Yet, many people are shocked to learn that insurance companies sometimes conduct surveillance on disability claimants. This practice can feel invasive and create anxiety about everyday activities. Being watched, filmed, or followed is unsettling. Everyday tasks—like buying groceries, attending a ...

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Sun Life LTD Denials: Why Claims are Denied and What to Do

Posted on December 24, 2025 by kotaklaw

When you become unable to work because of illness or injury, your long-term disability (LTD) benefits are supposed to protect you. You pay premiums with the expectation that Sun Life will support you during a time of real vulnerability. But for many policyholders, the opposite happens: Sun Life delays, reduces, or denies the LTD benefits ...

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What to Do When Workplace Accommodations Fail in Canada

Posted on December 22, 2025 by kotaklaw

Workplace Accommodations Failed? How to File a Disability Claim

Workplace accommodations are often the first step when an illness or injury affects your ability to work. Supports like reduced hours, modified duties, remote work, or flexible scheduling can help many people stay employed. But for some, even these adjusted duties become overwhelming or impossible to sustain over time. When that happens, you might be ...

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Can Remote Workers Qualify for Disability Benefits in Canada?

Posted on December 15, 2025 by kotaklaw

Remote and hybrid work have fundamentally changed how Canadians earn a living. While flexible schedules and home offices offer convenience for many, they have also complicated how insurance companies assess long-term disability (LTD) claims. A growing number of employees are asking: “If I work from home, can the insurance company say I’m not disabled?” It ...

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Own Occupation vs. Any Occupation: What Canadians Need to Know

Posted on December 1, 2025 (December 4, 2025) by kotaklaw

own occupation insurance : kotak law blog image

Imagine you are a specialized surgeon. You have spent years training, honing your fine motor skills, and building a career. Then, an injury affects your hands. You can no longer perform surgery. However, you can still teach at a university or work in hospital administration. Are you considered disabled? The answer depends almost entirely on ...

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Your Complete Guide to Long-Term Disability (LTD) Claims in Canada – 2025 Edition

Posted on November 18, 2025 (November 18, 2025) by kotaklaw

Understanding Long-Term Disability Benefits in Canada Long-term disability (LTD) benefits provide monthly income replacement when illness or injury prevents you from working. These benefits are typically paid through group insurance policies offered by your employer or private disability policies purchased individually. LTD coverage usually replaces 60–70 percent of your regular income after the short-term disability ...

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