By Nainesh Kotak If you look below the surface of your long-term disability (LTD) denial, you may not find much substance. Injured workers could be forgiven for thinking that every decision to deny much-needed benefits is the product of a thorough assessment of their situation. Sadly, after more than three decades in practice dedicated to […]
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Read More… from Five red flags to look for in your LTD denial
By Nainesh Kotak Injured workers need all the help they can get when it comes to receiving the long-term disability (LTD) benefits they deserve. With almost three decades of legal practice behind me advocating for injured clients, I know better than most how difficult LTD insurance companies will make it for disabled employees — right […]
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Read More… from Six ways to maximize your LTD application’s chances of success
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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Read More… from Former athlete triumphs in lawsuit against LTD insurer despite late claim filing
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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Read More… from How to challenge an LTD denial in five simple steps
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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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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Read More… from Five mistakes to avoid in your LTD application to improve your odds of success
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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Read More… from Keep LTD insurers in the loop to minimize the risk of benefits termination
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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Read More… from Swift reaction to STD and LTD denial leads to quick settlement
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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Read More… from Understanding pre-existing condition exclusions in LTD policies
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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Read More… from Adherence to treatment plans critical in addiction-related LTD claims
Kotak Personal Injury Law is a Registered business name of Nainesh Kotak Professional Corporation.
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