New eBook demystifies complex world of disability benefit claims

New eBook demystifies complex world of disability benefit claims

A new eBook provides ordinary Ontarians with the tools they need to get through every stage of a disability claim, according to its author, Toronto disability lawyer Nainesh Kotak.

Kotak, the principal and founder of Kotak Personal Injury Law, says the complicated process for claiming benefits and challenging denials can feel labyrinthine to anyone without legal experience. In the new book, The Complete Guide to Disability Benefits, Kotak gives claimants a route out of that maze, providing readers with the benefit of his extensive experience resolving both short-term and long-term disability claims for clients.

Empowering claimants

“When people call us for help or when they become our clients, they are at the point where they are already frustrated and confused with the whole process,” Kotak says. “It can feel hopeless when you’ve done everything that’s been asked of you and still, you’re denied benefits.

“This book will help people navigate the system and empower them to fight for justice when they’re treated badly by their insurer,” he adds.

In an ideal world, Kotak says a book like his wouldn’t be needed. Unfortunately, his considerable experience in the area told him otherwise. During more than 15 years of practising disability law, he has seen too many workers suffer unfair denial or termination of benefits by the insurance companies that are supposed to be there for them in their moment of need.

Kotak says his clients’ stories are all the more harrowing because so many of them had previously regarded their disability insurance — often provided by employers through group policies — as a reassuring safety net that would guarantee them some income replacement when illness or injury struck, preventing them from working.

“It’s easy to feel like you’re lost when you’re dealing with complicated policies that you don’t understand and hostile case managers who are putting pressure on you, or even misleading you and denying claims that ought not to be denied,” he says.

Levelling the playing field

Kotak wants his eBook to level the playing field by translating the complex language in disability policies into words that anyone can understand. In turn, he hopes the process will become a little less isolating and more manageable for claimants, allowing them to focus on getting the treatment they need.

“The book puts everything in straightforward terms, so it’s clear what has to be done,” he says. “The aim is to give people the back-up they need to advocate for themselves, and ultimately to feel confident when it comes to choosing their legal representation.”

Step-by-step guidance

The eBook takes an exhaustive approach to disability claims, offering readers guidance for every single step they might face on the way, including:

  • the application process for various forms of disability benefits
  • the types of conditions that qualify for benefits
  • what to do if your claim is denied or terminated
  • when to seek legal advice.

“My hope is that this book will provide some knowledge and some comfort to those who are going through disability claims,” Kotak says. “Whether they’re contemplating a claim, facing a denial, or dealing with a termination, it will be a great resource for them.”

To get your copy of The Complete Guide to Disability Benefits and start your journey, click here to download the eBook.


We understand that being denied short-term disability or long-term disability benefits can be devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling a short- and long-term disability claim lawyer at Kotak Personal Injury Law. We have successfully sued numerous disability insurance companies including Manulife, Sunlife, Desjardins, Cigna, Great-West Life, Equitable Life, Empire Life, London Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance, Canada Life, Fenchurch, OTIP, Teachers Life 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 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.