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


Have you been denied short term disability or long term disability benefits?  Call us or fill out our free online assessment – and we will let you know if you are entitled to compensation.  The road to justice is one click away – contact us today.

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.

    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  Mr.Nainesh and his amazing team at Kotak Law have been so diligent and detailed in helping resolve a case for us, we could not be happier with their professionalism and compassion. I would highly recommend them to anyone needing representation in a disability claim.

      thumb Elma Dajdic
      4/12/2021

      5 star review  When my insurance company refused to cover my LTD, it put myself and my family into a very difficult position. Rajiv Hate and his team guided me through the daunting process and gave me back my dignity as father and provider to my family. Words can not express my gratitude or how much I can recommend him. If you feel your situation is not as it should be, I implore you to at least have a conversation with him as he will be direct, honest, and deliver on any promises he may make.

      thumb Randy Chicoine
      12/08/2021

      5 star review  Would highly recommend dealing with Rajiv Hate for your inquiries. He’s professional, respectful and honest. Gives great advice for the best outcome. Thanks for all your help Rajiv.

      thumb Atif R
      8/06/2021
    • 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  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 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
      6/17/2021

      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

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