Long Term Disability


Has Sun Life Denied Your Long-Term Disability Benefits? Discover How Kotak Law Can Help You Fight Back

Has Sun Life Denied Your Long-Term Disability Benefits? Discover How Kotak Law Can Help You Fight Back
Long-term disability (LTD) benefits provide much-needed financial support when you’re unable to work due to a medical condition. However, having your claim denied by Sun Life can be incredibly frustrating and stressful. You’re likely wondering what steps you can take next and how to ensure you get the support you need. At Kotak Law, we’re ...

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Why Manulife Stops Long Term Disability Benefits After Two Years and How Kotak Law Can Assist

Why Manulife Stops Long Term Disability Benefits After Two Years and How Kotak Law Can Assist
When dealing with long term disability insurance, many policyholders find themselves facing a sudden cessation of benefits at the two-year mark. This can be frustrating and bewildering, especially when you are still unable to work due to your disability. Understanding why this happens and what steps you can take are crucial if you find yourself ...

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Denied Long-Term Disability Benefits in Edmonton? Kotak Law Can Help

Denied Long-Term Disability Benefits in Edmonton
If you’ve been denied long-term disability benefits in Edmonton, the path to securing the support you need can often feel overwhelming and frustrating. Navigating the complexities of insurance claims and legal disputes requires both expertise and experience. That’s where Kotak Law comes in. Understanding Long-Term Disability Benefits  Long-term disability benefits are designed to provide you ...

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Mastering the Mediation Process in Long Term Disability Cases: A Step-by-Step Guide

Mastering the Mediation Process in Long Term Disability Cases: A Step-by-Step Guide
When it comes to long-term disability cases, mediation plays a pivotal role. It’s a neutral process where a third-party mediator facilitates a discussion between you and the opposing side. If you find yourself heading into a mediation, understanding this process can relieve some of the stress and uncertainty. Approximately 80% of mediations result in a ...

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Navigating the Path to Long-Term Disability Benefits: How to Apply

Navigating the Path to Long-Term Disability Benefits: How to Apply
Disability benefits can be a lifesaver when you’re unable to work due to illness or injury. But, the process of applying can feel like a daunting labyrinth. It doesn’t have to be. In this post, we have simplified the process. Why is this important? Because understanding this process can be the difference between a smooth ...

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Five red flags to look for in your LTD denial

Five red flags to look for in your LTD denial
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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Six ways to maximize your LTD application’s chances of success

Six ways to maximize your LTD application’s chances of success
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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Former athlete triumphs in lawsuit against LTD insurer despite late claim filing

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

How to challenge an LTD denial in five simple steps
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

Tips for migrating from short-term to long-term disability
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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