Disability Lawyers

Disability Lawyers for Long-Term and Short-Term Disability Claims

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Facing an injury or illness is overwhelming. When you’re also required to deal with a disability insurance company, the process can feel even more daunting—especially if your condition affects your ability to manage everyday tasks or earn an income.

Disability insurers often rely on complex policy language, medical reviews, and strict timelines to deny or delay benefits. Meanwhile, you may be coping with serious health challenges and financial strain.

At Kotak Law, we help level the playing field. Our experienced disability lawyers focus on securing fair outcomes for people whose long-term disability (LTD) or short-term disability (STD) claims have been denied, terminated, or delayed. We understand how insurers assess claims, and we know how to protect your rights.

Disability law is not a side practice for us—it is our primary focus. We represent clients across Ontario, Alberta, and throughout Canada, helping them challenge unfair insurer decisions and pursue the benefits they paid for.

Your Trusted Partners in Disability Law

Kotak Law is a trusted name in disability litigation, known for leadership, experience, and professional excellence.

Nainesh Kotak and Rajiv Haté are both recognized by Lexpert as leading lawyers in long-term disability law—an honour based on peer review by lawyers across Canada.

• Kotak is a Past Chair of the Long-Term Disability Section of the Ontario Trial Lawyers Association (OTLA)
• Haté is the current Vice-Chair of the same OTLA section

These leadership roles reflect deep experience and an ongoing commitment to advancing fairness and best practices in disability law.

A Dedicated Law Firm for Disability Claims

Disability insurance claims are legally and medically complex. They often involve:

• Extensive medical records and specialist reports
• Conflicting insurer medical opinions
• Functional and vocational assessments
• Policy definitions such as “own occupation” and “any occupation”

Because Kotak Law focuses specifically on disability claims, we are able to anticipate insurer strategies and build strong, evidence-based cases from the outset.

We regularly represent clients in matters involving:

• Long-term disability (LTD) denials and terminations
• Short-term disability (STD) disputes
• Mental health disability claims, including depression, anxiety, PTSD, and burnout
• Chronic pain, neurological, autoimmune, and invisible illnesses
• Disability appeals, mediations, and court actions against insurers

Our team also includes experienced lawyers Kaity Yang and Avinaash (Avi) Laljie, who bring strong litigation skills, attention to detail, and clear communication to every file.

Experience Dealing With Disability Insurance Companies

Our lawyers deal with major Canadian disability insurers on a daily basis. We understand how claims are assessed, reviewed, and challenged—and where insurers’ decisions often fall short.

We frequently see claims denied or terminated after years of benefit payments, particularly when insurers reassess files under “any occupation” definitions.

Our experience allows us to:

• Identify weaknesses in insurer medical or vocational opinions
• Ensure treating physicians’ evidence is properly presented
• Push back against unreasonable surveillance or paper-only reviews
• Advance claims through negotiation, mediation, or litigation when necessary

Insurance companies know Kotak Law as a firm that prepares disability cases thoroughly and pursues them seriously.

Compassionate, Client-First Representation

Many people who contact a disability lawyer feel frustrated, ignored, or overwhelmed by the claims process. At Kotak Law, communication and compassion are central to how we practise.

Clients can expect:

• Clear, plain-language explanations of their disability benefits and rights
• Regular updates and timely responses
• Honest advice about timelines, risks, and realistic outcomes
• Direct access to experienced disability lawyers

We approach every case with empathy and respect, recognizing the real impact disability has on individuals and families.

No Upfront Legal Fees for Disability Claims

Financial stress should not prevent access to legal help. Kotak Law typically handles disability claims on a contingency fee basis, meaning:

• No upfront legal fees in most cases
• Legal fees are generally payable only if compensation is recovered

We explain all fee arrangements clearly before you proceed, so you can focus on your health while we focus on your claim.