Long Term Disability Archives - Page 4 of 10

CLAIMING DISABILITY BENEFITS FOR A SPINAL DISORDER

Posted on January 3, 2020 (June 16, 2023) by Kotak Law

Spinal disorders can make it difficult, and often impossible, to work and perform everyday functions because back and spine strength are fundamental to most of our basic activities, including sitting, standing, walking and lifting. This is why many Canadians suffering from a spinal disorder become permanently disabled. Spinal disorders may affect the neck or anywhere […]

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Judge in Injury Lawsuit rules that Plaintiff’s Disability Benefits are not relevant to their Motivation to Work

Posted on December 2, 2019 (June 16, 2023) by Kotak Law

If you were injured and are unable to work as a result of a motor vehicle accident, you may be eligible to claim several types of compensation, including long-term disability (LTD) benefits under your disability plan, statutory accident benefits (SABs) from your automobile insurer, and personal injury damages from the at fault driver. To qualify […]

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How to prove that you are disabled when applying for long term disability benefits

Posted on October 21, 2019 (June 16, 2023) by Kotak Law

An illness or accident can prevent you from working. If you are fortunate enough to have a long term disability policy through work or privately it is important to know what you must do in order to increase your chances of your disability claim being approved. Here are some helpful hints. Have medical evidence that […]

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MULTIPLE SCLEROSIS CAUSES DISABILITY FOR MANY CANADIANS

Posted on August 9, 2019 (June 16, 2023) by Kotak Law

Multiple sclerosis (MS) is a chronic neurological disease affecting the central nervous system, including the brain and spinal cord. Canada has among the highest rates of multiple sclerosis, with roughly one in every 385 Canadians suffering from MS. Multiple sclerosis is typically diagnosed between the ages of 20 and 49, and the average onset of […]

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Long Term Disability claimants should be mindful with social media posts

Posted on July 9, 2019 (June 16, 2023) 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 (June 16, 2023) 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 (June 16, 2023) 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 (June 16, 2023) 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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