Denied Your LTD Benefits? Kotak Law Fights for Your Rights.
Serving Clients Across Alberta • Calgary • Edmonton • Red Deer • Lethbridge • Province-Wide • No Win, No Fee
We Help Albertans Who’ve Been Denied Long-Term Disability Benefits
If your insurance company has denied, terminated, or cut off your long-term disability (LTD) benefits, the impact can be financially and emotionally devastating. Many Albertans are denied (Albertans face denial) despite clear medical evidence that they cannot work.
At Kotak Law, we represent people across Alberta who need help getting the benefits they are entitled to. We take on every major insurer, including:
Manulife • Sun Life • Canada Life • Desjardins • Industrial Alliance • Blue Cross • RBC • SSQ
You pay nothing upfront. No fees unless we win.
Common Reasons LTD Claims Are Denied in Alberta
Insurance companies frequently deny LTD claims for reasons such as:
- Insufficient medical evidence
Insurers often ignore valid medical documentation from treating physicians.
- Mental health conditions misunderstood
Depression, anxiety, PTSD, burnout, and other psychological illnesses are frequently minimized.
- Surveillance or social media
Short video clips or photos taken out of context are used to justify denial.
- “Paper reviews” by insurer-paid doctors
Your treating doctors are dismissed based on reviews by doctors who never examine you.
- Change in definition at 24 months (“any occupation”)
Many Albertans lose benefits at the two-year mark.
- Internal appeals rarely succeed
These often delay your case — they almost never result in a reversal.
If your LTD claim has been denied in Alberta, you may have the right to sue the insurer and recover full benefits, interest, legal costs, and possibly additional damages.
How Kotak Law Helps LTD Clients in Alberta
Review your denial letter and policy
We explain your rights under Alberta law and outline the strongest path forward.
Take over all communication with the insurer
You no longer deal with adjusters, case managers, or insurer lawyers.
Collect the medical and expert evidence needed to win
We work with medical specialists, psychologists, and vocational experts.
File a lawsuit promptly
We move fast to prevent delay tactics and protect your limitation periods under Alberta law.
Negotiate aggressively for maximum compensation
We aim to recover all past benefits, future benefits, legal costs, and in certain cases, extra damages for insurer misconduct.
You focus on your health — we handle everything else.
Types of Conditions We Help With
Mental Health LTD Claims
- Depression
- Anxiety
- PTSD
- Burnout
- Cognitive impairment
- Bipolar disorder
These conditions are legitimate and often wrongfully denied in Alberta.
Physical Conditions
- Chronic pain & fibromyalgia
- Back and spine injuries
- Orthopaedic injuries
- Cancer
- Cardiac conditions
- Neurological disorders
- Autoimmune diseases
- Long COVID
Whether your condition is physical, psychological, or a combination, you may qualify for LTD benefits.
Your Rights Under Alberta Long-Term Disability Law
- Right to a Fair Claim Review
You are entitled to have your disability claim assessed fairly, based on your medical evidence and policy terms. - Right to Access Your Policy Details
You can request and review your full LTD policy to understand coverage, exclusions, and appeal rules. - Right to Provide Medical Evidence
You have the right to submit medical reports from your treating doctors to support your disability claim. - Right to Appeal a Denial
If your LTD claim is denied or terminated, you can appeal the decision or pursue legal action. - You do NOT need to deal with the insurer Directly.
We take over all communication and build your case for you.
What to Do If Your LTD Claim Was Denied in Alberta
- Do not file an internal appeal.
These almost never succeed and delay your legal rights.
- Contact an Alberta LTD lawyer immediately.
Delays can hurt your claim and cause you to miss limitation deadlines.
- Keep seeing your doctor regularly.
Your medical records are your strongest evidence.
- Do not speak directly with the insurer.
Let us handle that for you.
Speak to an Alberta LTD Lawyer
Why Albertans Choose Kotak Law
Leading disability law firm serving Alberta
Extensive experience handling LTD cases across the province.
Recognized disability lawyer featured on CTV, Global, CHCH, CP24, Toronto Star and more
Kotak Law has become a trusted voice on disability insurance issues.
Deep experience with major insurers operating in Alberta
We know their strategies — and how to counter them.
Thousands of clients represented
We’ve helped individuals with complex physical and mental health disabilities secure the benefits they deserve.
No Win, No Fee with proven results
Compassionate service. Aggressive representation.
Free Consultation — Alberta Long-Term Disability Lawyers
If your long-term disability claim has been denied, terminated, or wrongfully delayed, you do NOT have to fight the insurance company alone.
Kotak Law is ready to help you anywhere in Alberta.
Free Consultation • No Win, No Fee • Confidential
Kotak Personal Injury Law
330 5th Ave SW Suite 1800, Calgary, AB T2P 0L4
Phone: (403) 319-0071
Email: info@kotaklaw.com
Service offered in Punjabi, Hindi, Urdu, Mandarin and Cantonese.
