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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Free Consultation : (416) 816-1500
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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  I feel so validated after my representation by Kotak Law. The compassion shown was professional and empathetic. Kaity and her team understood the complicated medical and long term effects of my situation from the start. I am forever grateful for my case taken by Kotak Law

      thumb Teresa Morosin
      5/02/2022

      5 star review  Rajiv Haté and Charmaine Vaswani provided an exceptional degree of support during a very tumultuous period in my life. Insurance companies don’t take chronic skin conditions seriously (despite it being the largest organ in our bodies) so I didn’t really have any hope that my claim would be settled. Rajiv went above and beyond my expectations, ensured I would be fairly compensated, and got the job done. I highly recommend patients with chronic conditions to contact Kotak Law. They’ll have your back while also giving you space to heal (i.e. you won’t be bombarded with emails during the process). So grateful!

      thumb Meera Roy
      12/16/2021

      5 star review  Thank you to the hard-working team at kotak law. Kaity believed in me and worked so hard for the best outcome possible thank you so much.

      thumb Trevor Robertson
      11/09/2021
    • 5 star review  I want to thank Kotak Law for helping me. I am beyond grateful to Mr. Rajiv Hate and his team. Thanks once again for your legal advice, time, and efforts.

      thumb Mirza Aundleeb Fatma
      8/11/2021

      5 star review  I hired Kotak Law to represent me when my disability case was denied. No other lawyers were willing to help me. I met with the lawyer Rajiv who took on my case, fought hard on my behalf and won my case after going through to a hearing. I highly recommend Kotak Law if you have a disability benefit claim that has been denied. Rajiv's clerk, Charmaine, was fantastic to deal with as well.

      thumb marcel a
      3/16/2021

      5 star review  I dealt with Rajiv and found both him and his staff very easy and pleasant to deal with. They were very professional and knowledgeable. Helped me thru a very stressful and emotional time with a great outcome. I would recommend them without hesitation.

      thumb Doug Briscoe
      10/05/2021
    • 5 star review  Right from the moment I called this law firm I knew I was in good hands. Rajiv was absolutely amazing. He was very compassionate and understanding of my situation. I felt very at ease and he made me feel like family. Charmaine was also such a pleasure to talk to and always got back to me with any questions I had and always reassured me and helped with my anxiety. They worked hard on my case and I am very pleased with the way it was handled. I am so very grateful to have worked with this law firm and highly recommended anyone to seek counsil with them. Thank you again for all your hard work it was such a pleasure!

      thumb Pina Costa
      8/12/2021

      5 star review  Thanks to Rajiv and Charmaine I was approved for my CPPD. Right from the start they were both very responsive and professional. Always available to answer all my questions. I highly recommend Kotak Law. You wont be disappointed.

      thumb Elizabeth Bell
      1/13/2022

      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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