LONG-TERM DISABILITY LAWYER ONTARIO

Denied Your LTD Benefits? Kotak Law Can Help.

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Serving Clients Across Ontario • No Win, No Fee • Free Consultation

Why You Need an Ontario Long-Term Disability Lawyer

If your long-term disability (LTD) benefits have been denied, cut off, or terminated, you are not alone. Insurers frequently deny legitimate claims — even when your doctor fully supports that you cannot work.

At Kotak Law, we fight for people across Ontario who are struggling to get the disability benefits they deserve. Our sole focus is representing injured and ill individuals, not insurance companies.

We take on every major insurer, including:
Manulife • Sun Life • Canada Life • Desjardins • Blue Cross • IA Financial • SSQ • Great-West Life

You pay nothing upfront.
No fees unless we win.

Book a Free Case Review

Common Reasons LTD Claims Are Denied in Ontario

Insurance companies often deny long-term disability claims for reasons such as:

1. “Insufficient medical evidence”

Even when your doctor strongly supports your disability. (When your medical records show issues like chronic pain, fatigue, or depression, even with your doctor’s strong support.)

2. Claimant appears “not disabled enough”

Insurers often ignore conditions like depression, anxiety, PTSD, chronic pain, or fatigue.

3. Surveillance or social media monitoring

Misinterpreted or misleading clips used to justify denial.

4. Paper file reviews

Insurer “doctors” who never meet you often overrule treating physicians.

5. Change of definition (“any occupation”)

Many benefits are cut off at the 24-month mark.

6. Internal appeals rarely succeed

Internal appeals only delay — they almost never overturn decisions.

If your LTD claim has been denied or terminated, you have options.
We can help you take legal action immediately under Ontario law.

Get Help with a Denied Claim

What We Do for Ontario LTD Clients

Review your denial letter and explain your legal options

Under Ontario law, you may sue the insurer for LTD benefits and additional damages.

We Communicate with the insurer 

We deal with adjusters, case managers, and lawyers on your behalf.

Gather the medical evidence needed to win your case

We work with doctors, specialists, psychologists, and vocational experts.

File a lawsuit quickly to avoid delays

Internal appeals stall progress — we take decisive action.

Negotiate aggressively for the maximum compensation

This may include arrears, future benefits, legal costs, and punitive damages in some cases.

Conditions We Commonly Handle

Mental Health Disability Claims

• Depression
• Anxiety
• PTSD
• Burnout / stress disorders
• Bipolar disorder

These claims are legitimate and often wrongfully denied in Ontario.

Physical Conditions

• Chronic pain & fibromyalgia
• Orthopaedic injuries
• Neurological conditions
• Long COVID
• Cancer
• Autoimmune disorders
• Cardiac conditions
• Back & spinal injuries

If your condition prevents you from working full-time or consistently, you may qualify for LTD benefits.

Ontario LTD Law: What You Need to Know

You do NOT need to live near our office.

We represent disability clients across Ontario, including:
Toronto • Mississauga • Brampton • Hamilton • Ottawa • London • Windsor • Markham • Kitchener • Oshawa • Barrie • Guelph

You do NOT need to pay anything upfront.

Strict deadlines apply.

LTD lawsuits in Ontario are subject to limitation periods.
If your claim has been denied, do not wait.

What to Do Immediately After an LTD Denial in Ontario

1. Do NOT file an internal appeal

Insurers almost never overturn their own decisions.

2. Contact a disability lawyer right away

Delays can hurt your case.

3. Keep seeing your doctor

Medical documentation is critical.

4. Do not correspond directly with the insurer

We take over all communication to protect your rights.

Speak to an Ontario LTD Lawyer

Why Clients Choose Kotak Law

Leading LTD Lawyers in Ontario

Featured in CTV, CP24, Global News, Toronto Star, CHCH and more.

Recognized in expert as top disability counsel

Years of proven success in disability litigation.

Thousands of clients represented

We understand how LTD insurers operate — and how to beat them.

Compassionate, responsive, and aggressive

You focus on your health. We focus on your case.

Client Testimonials

“Very happy and satisfied with the experience and results. I had the pleasure of working with Rajiv Haté who helped me with my long term disability case. He has helped resolve my case within less than a year. I appreciate all the efforts and work he has put to my case and would most definitely recommend him!”
— Ontario Client

“Highly recommend! The staff is amazing! I contacted Kotak law for help with a denial of my LTD.From intake to settlement the staff were amazing, supportive and very knowledgeable. My lawyer Rajiv Haté and his law clerk Gurbacan, were absolutely the best to work with. Rajiv is so knowledgeable and got me the best outcome. He really fights for his clients and I’m beyond satisfied with the outcome and whole process! Definitely deserving of a 5 star rating! Thank you so much!”
— Ontario Client

Free Consultation — Ontario Long-Term Disability Lawyers

If your long-term disability benefits have been denied, terminated, or wrongfully delayed, you do not need to fight the insurer alone.

Kotak Law is here to help, anywhere in Ontario.

No Win, No Fee. Free Consultation. Confidential.

Book Your Free Consultation Call Now

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