Long Term Disability


Understanding punitive and aggravated damages in LTD claims

LTD Claims

By Nainesh Kotak If someone has been improperly denied long-term disability (LTD) benefits in a way that caused additional harm to their financial, emotional or mental wellbeing, they may be entitled to receive compensation over and above the past benefits owing. Not every case gives rise to these extracontractual damages — more commonly known as […]

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COVID-related delays the latest weapon for LTD insurers denying mental health claims

COVID-related delays the latest weapon for LTD insurers denying mental health claims

By Nainesh Kotak Pandemic-related delays in mental health care are the latest weapon in the arsenal of insurance companies fighting long-term disability (LTD) claims. Our healthcare system has never been perfect, and waiting lists are a fact of life for many Canadians, regardless of your medical ailment. Mental health services have traditionally suffered from a […]

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Preparation key to a successful examination for discovery

Preparation key to a successful examination for discovery (1)

By Nainesh Kotak Facing questions from an insurance company’s lawyer may sound like a daunting prospect, but it doesn’t have to be once you know what to expect. Thorough preparation can take the anxiety out of an examination for discovery. To get you started, here are a few things to know about this key part […]

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Following treatment providers’ advice boosts health, strengthens LTD claim

Following treatment providers’ advice boosts health, strengthens LTD claim

Following your treatment providers’ advice is good for your long-term disability (LTD) claim as well as your health, says Toronto personal injury lawyer Nainesh Kotak. Employees who are forced off work because of a disability will typically end up seeing many medical professionals for a variety of reasons over the course of the LTD claim […]

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Medical diagnosis not enough for many LTD insurers

Medical diagnosis not enough for many LTD insurers (1) (1)

Getting a medical diagnosis is only half the battle for many long-term disability (LTD) claimants, says Toronto disability lawyer Nainesh Kotak. Although a physician’s statement about the worker’s condition and the prognosis is a key part of a long-term disability claim, Kotak, the principal at Kotak Personal Injury Law, says insurers are rarely happy to […]

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Denied LTD benefits? Don’t opt for the insurer’s appeal, hire a lawyer

Denied LTD benefits

When workers are denied short- or long-term disability benefits by their insurance company, they can face an uphill battle getting the necessary evidence to argue their claim. According to Statistics Canada, working-age Canadians have a one-in-three chance of developing a disability that will last for more than three months. Every day, we meet clients who […]

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SISIP Long Term Disability Claims for Canadian Armed Forces (CAF)

SISIP

Members of the Canadian Armed Forces (CAF) make the ultimate sacrifice for their country, by putting their lives on the line to defend Canadian values, ideals and sovereignty. The CAF consists of air, land and sea units, being the Royal Canadian Airforce (RCAF), Royal Canadian Army (RCA) and Royal Canadian Navy (RCN). CAF members are […]

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Long Term Disability Claims for Canada Post Workers

Long Term Disability Claims for Canada Post Workers

Postal workers face unique mental health and physical stressors in the workplace, due to the strenuous and repetitive nature of their work. Postal work is performed through a variety of roles, such as drivers, letter carriers, postal sorters, and counter clerks. Many employees work shifts, engage in physical duties and provide services in a customer […]

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LONG TERM CARE HOMES AND COVID-19 RELATED DEATHS IN ONTARIO

  In Ontario, over half of COVID-19 related deaths have been linked to long term care homes (nursing homes), which disproportionately impacts elderly Canadians, who are one of the most vulnerable groups in our society. Seniors who are receiving long term care usually have cognitive and physical impairments, as well as chronic health conditions that […]

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ARE LONG-TERM DISABILITY BENEFITS TAXABLE IN ONTARIO

Long-term disability benefits may be taxable depending upon who paid the benefits. Many workers have group disability policies with companies like Manulife, Sun-Life, Great West Life or RBC, amongst others. If the employer pays part or all of the premiums for the long-term disability policy the benefits will be taxable. If the worker pays all […]

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