Denied Your Short-Term Disability Benefits? Kotak Law Is Here to Help.
Serving Calgary • Edmonton • Red Deer • Lethbridge • Medicine Hat • Province-Wide
No Win, No Fee • Free Consultation • Fast Help for Denied Claims
Short-Term Disability (STD) Denials in Alberta Are Common — and We Fight Back
Short-term disability benefits are supposed to protect you when you’re too sick or injured to work.
But in Alberta, many STD claims are:
- Denied outright
- Cut off early
- Delayed for months
- Blocked by employers or HR
You may be struggling with income loss, pressure to return to work, or worsening health.
At Kotak Law, we help Albertans whose STD claims have been denied — especially for mental health, stress leave, and injury-related conditions.
You pay nothing upfront.
No win, no fee.
Why STD Claims Are Denied in Alberta
Insurance companies and employers commonly deny Alberta STD claims for reasons such as:
- Insufficient medical evidence
Even when your doctor clearly says you cannot work.
- Denial of mental health claims
Depression, anxiety, PTSD, and burnout often get unfairly questioned.
- Employer pressure
Some Alberta employers dispute medical notes or push for early return-to-work.
- Insurer-paid doctors who never meet you
They conduct “paper reviews” and override treating physicians.
- Claims labeled “workplace issues”
Insurers improperly try to shift responsibility to WCB/WSB — often wrongly.
- Surveillance and social media
Brief, misleading clips or photos taken out of context.
- Failure to follow recommended treatment
Even when delays are legitimate (like waiting for specialist appointments).
When an STD claim is denied, you still have strong legal rights — and we help you enforce them.
Get Help with a Denied STD Claim
How Kotak Law Helps Alberta STD Clients
We explain your rights under Alberta STD policies
We review your policy, your denial letter, and outline your best legal options.
We take over all communication with the insurer or employer
No more dealing with adjusters, HR, or benefits administrators.
We gather the medical evidence needed to prove your disability
We work directly with your doctors, specialists, psychologists, and other experts.
We file a lawsuit quickly when needed
Internal appeals are usually ineffective — we move fast to protect your rights.
We negotiate aggressively for maximum compensation
This includes past payments, future payments, interest, legal fees, and in some cases, additional damages.
Our approach is simple:
You focus on your health. We handle the insurance company.
Conditions That Commonly Lead to STD Claims in Alberta
Mental Health Conditions – Most Frequently Denied
- Depression
- Anxiety
- PTSD
- Burnout / work-related stress
- Panic disorder
- Adjustment disorders
These are legitimate disabilities — and insurers often get them wrong.
Physical Conditions
- Back and spinal injuries
- Orthopaedic injuries
- Chronic pain
- Post-surgery recovery
- Neurological conditions
- Autoimmune disorders
- Cardiac issues
- Severe migraines
- Concussions and head injuries
Even if your condition is “invisible” or fluctuating, you may still qualify.
Your Rights Under Alberta STD Law & Employment Policies
Your medical privacy is protected
Your employer cannot demand full medical details.
Your doctor, not your employer, decides your fitness for work
Employers often push return-to-work too early — this is improper.
You can sue if your STD benefits are denied
You may have the right to recover benefits, legal costs, and additional damages.
Employers must accommodate your disability
This is required under Alberta human rights legislation.
Mental health conditions must be treated equally
Psychological disabilities cannot be discounted.
What To Do If Your STD Was Denied in Alberta
- Do NOT appeal internally.
These appeals rarely work and delay your claim.
- Contact an Alberta STD lawyer immediately.
Deadlines apply — delays can be costly.
- Continue seeing your doctor.
Medical evidence is essential for success.
- Avoid arguing with your employer or insurer.
Anything said may be used against you.
We take over everything — so you don’t have to.
Speak to an Alberta STD Lawyer
Serving All of Alberta
We help clients province-wide, including:
Calgary • Edmonton • Red Deer • Lethbridge • Medicine Hat • Grande Prairie • Fort McMurray • Airdrie • St. Albert • Sherwood Park • Cochrane • Okotoks
Consultations by phone or video — no need to travel.
Why Albertans Choose Kotak Law
Experienced disability lawyers serving all of Alberta
Thousands of STD & LTD clients helped
Featured on CTV, Global, CHCH, Toronto Star
We know Alberta insurers’ tactics and how to beat them
Fast action — we do not allow delay tactics
Compassionate guidance for people in crisis
When illness or stress prevents you from working, you deserve support — not denial.
Free Consultation — Alberta Short-Term Disability Lawyers
If your short-term disability claim was denied, cut off, or delayed, we can help you understand your rights and take action immediately.
No Win, No Fee • Free Consultation • 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.
