Kitchener Disability Lawyer


Many insurers treat long term disability benefits as a wager. Insurance companies know that many individuals suffer from a long term disability but do not file a claim – and that many of those that do file a claim will give up if their claim is denied.

But if your disability insurance claim has been denied, Kotak Law can help. We have won settlements for our clients throughout Ontario, including Cambridge, Kitchener and Waterloo.

Call us at 1-888-GOKOTAKOur 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.

Feel Secure Again: Taking Away Financial Stress and Workload


When you’re suffering from a disability that prevents you from working, the last thing you would like to do is fight with your insurance company. An experienced disability lawyer understands insurers’ tactics and knows how best to earn you the disability settlement that you deserve.

And because we know the financial strain disability claimants are dealing with, we have a simple promise: no fees until we win.

Your Community


The Waterloo Region offers quaint rural life around the periphery – best typified by St. Jacobs and the clop-clop of horseshoes on northern Waterloo roads – as well as cutting-edge employment in the strong software and automotive sectors. As a result, the area has a wide range of potential employment-ending disabilities that can arise. Kotak Law has a wealth of experience in disability law, and the know-how and compassion to address your unique case. Kotak Law is proud to serve all of Waterloo Region, including Kitchener, Cambridge, and Waterloo. All Waterloo Region residents can receive a free and no-obligation initial consultation on their disability claim.

A Name You Can Trust


The right disability lawyer makes all the difference. At Kotak Law, we seek to handle all of the hassle of your disability claim for you, while keeping you informed throughout the process about what your options are, and what we’re doing for you.

We gather all available evidence to support your claim, and will advise you on the pratfalls that often snare disability claimants. With an experienced team at your side, you’ll be able to make the best decision for your financial security and for your future.

The Road to Recovery


One thing insurers often keep from their clients is that there is a time limit to suing for your disability settlement. Sadly, some disability sufferers get bogged down in the quicksand of their insurer’s bureaucracy, and don’t try to litigate until they have lost their chance.

Don’t hesitate – get help today. Fill out our free online assessment or call us at 1-888-GOKOTAK.

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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  • Rajiv Hate has been my sister's disability claim lawyer and he was amazing. Her disability claim was settled. He is very knowledgeable and throughout the process, Rajiv provided us with the information on next steps. he prepped us with the settlement session on what kind of questions would the lawyers asked and a very precise and clear briefing. If you are looking for Disability lawyer, I highly recommend Rajiv.

    thumb Vijayant Mann
    May 30, 2022

    did a great job handling my case. Rajiv was very professional and helpful.

    thumb manjot sekhon
    August 19, 2021

    Called me back on a long weekend. Handled my LTD cancellation quickly and professionally . A great team to work with!

    thumb Phillip Matolcsy
    April 25, 2022
  • I feel so validated after my representation by Kotak Law. The compassion shown was professional and empathetic. Kaity and her team understood the complicated medical and long term effects of my situation from the start. I am forever grateful for my case taken by Kotak Law

    thumb Teresa Morosin
    May 2, 2022

    Kotak just helped me few days ago to successfully close a second case. In the first one, Rajiv Rate, who is a phenomenal lawyer with Kotak helped me to get much more than I expected in a settlement due to an awful motorcycle accident. And now with a LTD case (non-related to the motorcycle accident) Rajiv did it again, he just helped me to settle my case getting a much higher compensation than I initially estimated. The level of professionalism, attention to detail and kindness showcased by all the team at Kotak and by Rajiv in particular have been insuperable and a constant in both cases. Don't waste your time with any other law firm as I did before I contacted Kotak for my first case, call them and request to talk with Rajiv, you won't regret it!!

    thumb S C
    July 5, 2022

    From the moment I spoke with Rajiv Hate at Kotak Law regarding an LTD claim denial by a large firm, I knew that I had come to the right place. Rajiv is simply awesome to deal with, incredibly competent in his profession and extremely well prepared for these arduous endeavors. The highest of praise to Mr. Hate and a special thank you to Charmaine for all of her assistance. Highly recommended! Keith Taylor

    thumb Keith Taylor
    February 12, 2022
  • Nainesh was incredibly helpful throughout my MVA case and delivered great results. Everything was handled with so much compassion and professionalism. Kotak law is the right place to go.

    thumb Mariel Pretto
    July 14, 2022

    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
    December 8, 2021

    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
    April 12, 2021