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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