Has Manulife Stopped Paying You Long Term Disability Benefits Because You Didn’t Complete Its Rehab or Return to Work Plan?

Has this just happened to you? You are unable to work due to a disability such as stress, anxiety, depression, phobia, headaches or pain. You apply to Manulife for disability insurance benefits. You send in your application and a physician statement from your doctor. Manulife then tells you to go to a rehab program where you are pressured to return to work but you can’t. You are fed up with the pressure from both your case manager at Manulife and the rehab or vocational counsellor and can’t take it anymore. You get a call or letter from Manulife denying your disability claim on the basis that you didn’t complete the program.

They may still stop paying you even if your doctor states that Manulife’s rehab or return to work plan is detrimental to your health and recovery and that is wrong. You feel helpless.

Manulife may invite you to participate in their internal appeal process and will give you a deadline to do this. You are frustrated and tired of dealing with them. You are having a hard enough time dealing with your pain and stress. WE WILL HELP YOU.

We do not recommend that you delay by participating in Manulife’s internal appeal process. Think about it. Do they really expect you to believe that one claims examiner is going to overrule their colleague?

We will help you by advancing your claim quickly and effectively. We will prepare a medical brief with opinions that address the disability test set out in Manulife’s disability insurance policy. We will start your law suit quickly and move to resolve your case early through a mediation process.

If you have been denied long term disability benefits or short term disability benefits by Manulife or another disability insurance company you are no doubt feeling frustrated by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your frustration with your disability insurance company.

We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario, Alberta and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.


We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.

Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.