Disability


Disability


Short term and long term disability insurance policies provide peace of mind to individuals.  Often disability insurance companies deny disability claims on the basis that there is insufficient medical evidence to support the claim.  Sometimes disability benefits are terminated after two years when the test for total disability changes.

Call us at 1-888-GOKOTAK or (416) 816-1500.

Our lawyers have extensive experience in the field of disability law and will carefully guide you through the process of disputing the denial or termination of your disability benefits.

We serve disability clients throughout Ontario including locations such as Peel Region, Halton Region and the Greater Toronto Area, including Brampton, Burlington, Caledon, Etobicoke, Guelph, Halton Hills, Hamilton, Markham, Milton, Mississauga, Niagara Falls, Oakville, Orangeville, Oshawa, Pickering, Richmond Hill, Scarborough, St. Catharines, and Stoney Creek.

About Disability Law


Disability insurance, often provided through an employer’s group policy or personal insurance, is meant to provide a financial safety net that helps replace your income if an illness or injury prevents you from working. It’s important to understand that insurance companies are in the business of generating profits for shareholders. As such, they often erect roadblocks meant to discourage claimants from pursuing legitimate claims. At Kotak Law, our practice focuses on helping clients receive short-term and long-term disability compensation when their ability to work has been impacted by illness, injury or disease. We have extensive experience in resolving disability claims.

An experienced disability lawyer can help you gather the medical evidence you may need to establish that you do, in fact, meet the definition of total disability as set out in your insurance policy. Following your instructions, we also negotiate with insurance companies to get you not only benefits that were owed to you in the past but also money for future benefit payments.

Why Choose Kotak Law?


We are the experienced, effective and compassionate path to compensation. We are result oriented and work as a team to maximize the money you receive.

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  • Disability Claims
    Disability Claims

    Disability insurance companies may offer an internal appeal process and often it is waste of time. Insurer’s rarely change their decision through this appeal. A more effective solution is to have a disability lawyer commence a law suit against the insurance company. At Kotak Law we will issue your claim quickly and move your case forward towards a settlement. Remember you are not alone. We can help.

    How long you are entitled to receive long term disability benefits depends on the wording of the insurance policy. Most policies provide for disability payments up to age 65 if you meet the definition of total disability. Some policies have shorter benefit periods and a few provide for payments beyond age 65.

    Coverage for disability is governed by the insurance policy. In general long term disability policies will provide for payment for any type of illness or sickness that prevents you for performing the essential tasks of your employment and for payment after two years if you are prevented from performing any employment that you are suited to by way of education, training or experience. Some covered ailments include depression, anxiety, chronic pain, heart disease, cancer, fibromyalgia, migraines, IBS, organ failure, strokes, inflammatory disorders and neurological impairments.

    Insurance companies often deny short term disability claims. Some reasons insurance companies give are:

    • There is insufficient medical evidence.
    • Video surveillance shows you doing things you said you couldn’t do.
    • Your social media posts show you as active and not showing signs of depression.

    At Kotak Law we help clients who have been denied short term disability. We can help. Call us for a free consultation.

    A disability lawyer represents people whose disability benefits have been denied or cut off by an insurance company. They will gather medical evidence to establish that a claimant meets the definition of total disability as set out in the insurance contract. They will commence a claim against the disability insurer and obtain a settlement or court order with the instructions of the client.

    At Kotak Law our practice focuses on helping clients receive disability benefits when their ability to work has been impaired by anxiety and depression. We obtain records and reports from doctors who have provided treatment and we present evidence in support of the claim in order to secure a just compensation award.

    At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.

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    • 5 star review  Rajiv and Mridula did an amazing job. Thankyou so very much.

      thumb Lorraine Fearman
      7/22/2022

      5 star review  Nainesh was incredibly helpful throughout my MVA case and delivered great results. Everything was handled with so much compassion and professionalism. Kotak law is the right place to go.

      thumb Mariel Pretto
      7/14/2022

      5 star review  Kotak just helped me few days ago to successfully close a second case. In the first one, Rajiv Hate, who is a phenomenal lawyer with Kotak helped me to get much more than I expected in a settlement due to an awful motorcycle accident. And now with a LTD case (non-related to the motorcycle accident) Rajiv did it again, he just helped me to settle my case getting a much higher compensation than I initially estimated. The level of professionalism, attention to detail and kindness showcased by all the team at Kotak and by Rajiv in particular have been insuperable and a constant in both cases. Don't waste your time with any other law firm as I did before I contacted Kotak for my first case, call them and request to talk with Rajiv, you won't regret it!!

      thumb S C
      7/05/2022
    • 5 star review  From the moment I spoke with Rajiv Hate at Kotak Law regarding an LTD claim denial by a large firm, I knew that I had come to the right place. Rajiv is simply awesome to deal with, incredibly competent in his profession and extremely well prepared for these arduous endeavors. The highest of praise to Mr. Hate and a special thank you to Charmaine for all of her assistance. Highly recommended! Keith Taylor

      thumb Keith Taylor
      2/12/2022

      5 star review  Rajiv Hate has been my sister's disability claim lawyer and he was amazing. Her disability claim was settled. He is very knowledgeable and throughout the process, Rajiv provided us with the information on next steps. he prepped us with the settlement session on what kind of questions would the lawyers asked and a very precise and clear briefing. If you are looking for Disability lawyer, I highly recommend Rajiv.

      thumb Vijayant Mann
      5/30/2022

      5 star review  I would like to thank Kotak Law for all their help with my case. Rajiv Hate handled my case with such great care, I always felt listened to, and cared about. His assistant Charmaine was also a pleasure to work with. What a great team! So pleased with how this case was handled from beginning to end! Thank you for everything!

      thumb Angela Blood
      3/08/2021
    • 5 star review  I am grateful to Rajiv + team for all their efforts on my behalf. I was blessed with a favorable outcome, and the experience was one of understanding from all those involved. Thank you so much.

      thumb Tia Kazimer
      7/05/2021

      5 star review  Kotak Law dealt with my case with professionalism and care right from the start. Kaity was great as well as the law clerks and everyone in the office that I communicated with over the last year. Thanks for helping me believe that I had a case to begin with and to support me through to a fair settlement.

      thumb D T
      10/28/2021

      5 star review  Tijana and Nainesh were phenomenal. So compassionate, understanding and empathetic. I can't express my gratitude enough!

      thumb Vicky Marano
      1/23/2022

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