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.

  • I had a very positive experience dealing with Kotak Law. I was kept up to date, dealt with in a friendly professional manner and was very pleased with the outcome. Would definitely recommend this firm.

    thumb Carolyn Gray
    June 17, 2021

    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
    August 12, 2021

    Called me back on a long weekend. Handled my LTD cancellation quickly and professionally . A great team to work with!

    thumb Phillip Matolcsy
    April 25, 2022
  • Kotak just helped me few days ago to successfully close a second case. In the first one, Rajiv Rate, 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
    July 5, 2022

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

    thumb Vicky Marano
    January 23, 2022

    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
    October 28, 2021
  • 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
    July 5, 2021

    After dealing with my insurance company with no results, I hired Kotak Law to advocate for me. Mr Rajiv Hate did an excellent job of listening to the issues and presenting them on my behalf. Without him, I would not have been able to reach an agreement with the insurer. Would definitely recommend.

    thumb Kevin O
    August 29, 2022

    did a great job handling my case. Rajiv was very professional and helpful.

    thumb manjot sekhon
    August 19, 2021

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