Disability Claim FAQ

 
  1.   How do I appeal long term disability denial?
  2.   How long does long term disability last in Ontario?
  3.   What medical conditions qualify for long term disability?
  4.   Can short term disability be denied?
  5.   How much does it cost to hire a disability lawyer?

Answers

  1.   How do I appeal long term disability denial?
  A.   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.
Back to the question list 
  2.   How long does long term disability last in Ontario?
  A.   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.
Back to the question list 
  3.   What medical conditions qualify for long term disability?
  A.   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.
Back to the question list 
  4.   Can short term disability be denied?
  A.   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.
Back to the question list 
  5.   How much does it cost to hire a disability lawyer?
  A.   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.
Back to the question list 
Free Online Assessment
How did you hear about us?
If you selected "Other" above, please specify below:
 I consent to being contacted electronically by Kotak Personal Injury Law about the specific matter at hand. I understand that my contact information provided herein will not be used for any other purposes.
Recent Blogs