Has Your Insurance Company Denied Your Disability Claim Because it Doesn’t Believe You?

Disability insurance companies often look through your social media, medical records and the statements you have made with a fine toothed comb.  Do you know why they do this?  They are trying to find inconsistencies in how your describe your symptoms and ability to function.  When they find such an inconsistency, your disability insurance company may deny your claim or stop paying benefits on the basis that your credibility is in question.

Your doctors make a clinical note of your symptoms and progress on each visit.  You can imagine how bad it would look if those records contain information inconsistent with how you are portraying your condition to your insurance company.  Remember therefore to be thorough in describing all of your complaints to your doctor.

Your disability insurance adjuster will try to engage you in many conversations over the telephone.  Those calls may be recorded and certainly the insurance adjuster will type out a log note of their version of the conversation. This log note will become part of your disability claim file.  Be truthful and do no allow the adjuster to put words in your mouth or to misinterpret what you are saying.  Those very log notes may be used by your disability insurance company to deny your claim or to stop paying you short term or long term disability benefits on the basis that you have made inconsistent statements.

If you have been denied short term or long term disability benefits 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.