Long Term Disability claimants should be mindful with social media posts

Posted on July 9, 2019 (July 5, 2024) by Kotak Law

Long-term disability claimants are providing free surveillance for insurers by posting publicly on social media, says Toronto personal injury and disability lawyer Nainesh Kotak. Kotak, principal of Kotak Personal Injury Law, says disability insurers have traditionally invested heavily in private investigations to discretely follow claimants and question their friends and neighbours, all to uncover discrepancies ...

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Tips on Appealing Disability Claim Denial

Posted on June 26, 2019 (June 16, 2023) by Kotak Law

You cannot work due to injury or illness. You let your employer know and then compete an application and submit it to your disability insurance company. Your doctor fills out the appropriate form and then you wait patiently for a decision. After a while you receive a letter from the disability insurer informing you that ...

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Is Your Disability Insurance Company Sending You to An Independent Medical Examination (IME)?

Posted on June 12, 2019 (July 5, 2024) by Kotak Law

Often, while adjudicating or managing a short term or long term disability claim, insurance companies send people to a so called Independent Medical Examination (IME). In many cases these examinations are not felt to be independent. The stated purpose of the assessment is to provide the disability insurer with an opinion about whether a claimant ...

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Why you may need Critical Illness Coverage and How it differs from Disability Benefits

Posted on June 3, 2019 (July 5, 2024) by Kotak Law

Many working Canadians are familiar with long-term disability insurance, the purpose of which is to provide income replacement when someone becomes ill or injured and is unable to work for a prolonged period. Long-term disability (LTD) payments are generally tax-free when the individual has paid 100% of their premiums, but taxable if the employer has ...

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How long do Long-term Disability Insurance Benefits last?

Posted on May 27, 2019 (June 16, 2023) by Kotak Law

Once you have been approved for long term disability benefits you may be wondering how long those disability benefits will continue to be paid by your disability insurer. Long term disability policies are marketed as “peace of mind” insurance. However, termination of benefits happens quite frequently. A long term disability policy is a contract. This ...

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5 Reasons a Disability Claim May Be Denied and What Can Be Done

Posted on April 15, 2019 (May 22, 2024) by Kotak Law

This a list of 5 reasons that a disability claim may be denied. Has your disability claim been denied? See if any of these reasons fit your situation. REASON #1 Your disability insurance company says that you have a pre existing condition. Often insurance companies will look at your medical records and suggest that because ...

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Do You Feel That Cigna Has Unfairly Denied Your Disability Claim?

Posted on April 12, 2019 (July 5, 2024) by Kotak Law

Have you experienced this? You or your employer pay premiums for a Cigna disability insurance policy with the hope that one day if you can’t work Cigna will honour it’s duty to pay you disability benefits. Unfortunately, you cannot work due to a physical or mental condition. You complete the application for disability benefits and ...

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Disability caused by a Fractured Femur, Tibia or Pelvis

Posted on April 8, 2019 (July 5, 2024) by Kotak Law

A very fit and healthy 57-year-old Kitchener man was struck by a car while he was biking to work. The accident caused a broken pelvis and other injuries for the cyclist; and he required surgery and hospitalization and was confined to a bed for almost four months. After being released from hospital, the accident victim ...

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Do You Feel that Your Short Term Disability Claim has Been Unfairly Denied by Great West Life?

Posted on March 25, 2019 (January 7, 2025) by Kotak Law

Has this happened to you? You or your employer pay premiums for a Great West Life disability insurance policy with the belief that one day if you can’t work your disability insurer will honour it’s duty to pay you disability benefits. Unfortunately, you cannot continue working due to a physical or mental condition. You complete ...

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Do You Feel That Manulife Has Unfairly Denied Your Short Term Disability Claim?

Posted on February 19, 2019 (July 5, 2024) by Kotak Law

Does this scenario seem familiar? You or your employer pay premiums for a Manulife disability insurance policy with the expectation that one day if you can’t work your disability insurer will honour its obligation to pay you disability benefits. Unfortunately, you cannot continue working due to a physical or mental condition. You complete the application ...

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