Is Your Disability Insurer Harassing You?

Does this scenario seem familiar?  You pay premiums for a disability insurance policy with the expectation that one day if you can’t work your disability insurer will honour it’s obligation to pay you disability benefits.  Unfortunately, you cannot continue working due to a physical or mental condition. You complete the application for disability benefits properly and your doctor sends a supporting form on your behalf.  You wait anxiously for your disability payments to begin and your insurance company stonewalls and harasses you by doing the following:

  1. Repeatedly asking you to send the same records or forms over and over again.
  2. Calling you repeatedly and asking why you can’t work.
  3. Forcing you to attend a particular rehab facility whose sole purpose is to tell you that you are better and can work.
  4. Calling you and telling you that your disability benefits may be denied or terminated soon.
  5. Calling you and speaking to you in a bullying tone.
  6. Denying or terminating your disability benefits in spite of what your own doctor says.

If the above sounds familiar be rest assured that you are not alone.  Unfortunately, such conduct has become commonplace. The lawyers at Kotak Personal Injury Law know the tricks that insurance companies use to deny or terminate disability claims.

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.