Dentist Disability Insurance Claim Denied

Dentists often purchase private disability policies through a broker at the start of their career. They do this for peace of mind knowing that as their practice grows their financial obligations will too. Dentists usually chose policies that provide a significant monthly disability benefit that is non taxable and contains a cost of living increase provision.

Premiums for private disability policies are often paid from a personal account. Many such disability policies provide for the payment of benefits to age 65 and even for life.

Dentists usually chose a disability policy that provides for payment of a monthly benefit if they are unable to perform the essential tasks of their own occupation. This is known as the own occupation test. Over the years significant premiums are collected by disability insurers from dentists who hope never to be in a situation where they have to seek payment of disability benefits.

Disability insurers often deny claims or terminate them on the basis that there is insufficient medical evidence in support of the claim. They may do this despite the dentist having supporting medical records and reports from their own treating physicians.

Sometimes disability insurance companies may say that the dentist’s occupation has become that of an administrator. We have successfully challenged this mischaracterization.

Overtime dentists often suffer impairments related to their upper and lower back, neck, hands, fingers and/or hips. Sometimes mental illness such as anxiety, depression or bipolar disorder develop. These legitimate claims are often denied by disability insurance companies.

At Kotak Law we have successfully represented dentists and other professionals who have had their long term disability claim denied or terminated. We deal with insurance companies everyday and provide timely and excellent results.


We understand that being denied short term disability or long term disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling a long term disability claim lawyer at Kotak Law. We have successfully sued numerous disability insurance companies including Manulife, Sunlife, Desjardins, Equitable Life, London Life, Great West Life, Canada Life, Empire Life, Blue Cross, AIG, SSQ, RBC, Paul Revere, Unum, Industrial Alliance and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, a coffee shop, your home or virtually. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.