Denied Your Short-Term Disability (STD) Benefits? Kotak Law Can Help.
Serving Clients Across Ontario • No Win, No Fee • Free Consultation
Short-Term Disability Benefits in Ontario: When You Need a Lawyer
Short-term disability (STD) benefits are meant to protect you when illness or injury prevents you from working.
Unfortunately, many Ontarians have their STD benefits:
- Denied,
- Cut off early, or
- Blocked by their employer,
even when their doctors strongly support that they cannot work.
At Kotak Law, we help people across Ontario who have been unfairly denied STD benefits — especially for mental health conditions, stress leave, and injury-related claims.
You pay nothing upfront.
No win, no fee.
Why STD Claims Are Denied in Ontario
Short-term disability claims are often denied for reasons that have nothing to do with your actual health:
- Lack of medical evidence
Insurers often ignore real medical notes, focusing on minor inconsistencies.
- Denial of mental health conditions
Depression, anxiety, PTSD, burnout, and stress-related illnesses are frequently minimized.
- Your employer disagrees with your doctor
Employers sometimes pressure workers to return to work prematurely.
- Their doctor never meets you
Insurance companies often rely on “paper reviews” instead of real assessments.
- Claims denied because the condition is “workplace-related”
Insurers incorrectly try to redirect claims to WSIB/WSB — often improperly.
- Surveillance and social media
Misleading photos or brief videos are used to justify denial.
- Failure to follow recommended treatment
Even when the delay is legitimate or unavoidable.
If your STD claim was denied or your payments were stopped, you do not need to face the insurer or employer alone.
We can help immediately.
Get Help with a Denied STD Claim
How Kotak Law Helps with STD Claims in Ontario
We review your denial and explain your rights
We outline your strongest legal options based on your policy and Ontario law.
We contact the insurer or employer on your behalf
You no longer deal with adjusters, HR, or benefits administrators.
We gather strong medical evidence
We work with treating doctors, specialists, psychologists, and other professionals.
We file a legal claim when necessary
Internal appeals rarely work — legal action is often the most effective route.
We negotiate for full compensation
This may include missed payments, future payments, interest, and legal costs.
Your focus is on getting better — we handle everything else.
Conditions That Commonly Lead to STD Claims in Ontario
Mental Health Conditions (Most commonly denied)
- Depression
- Anxiety
- PTSD
- Burnout / workplace stress
- Panic disorders
- Adjustment disorders
- Post-traumatic stress after workplace events
Physical Conditions
- Back and spine injuries
- Orthopaedic injuries
- Chronic pain
- Post-surgery recovery
- Neurological conditions
- Concussions / head injuries
- Autoimmune disorders
- Cardiac conditions
- Severe migraines
Even if your condition is invisible or fluctuating, you may still qualify for STD benefits.
Your Rights Under Ontario STD Policies
Every STD policy is different, but common rights under Ontario employment contracts and insurance law include:
The right to medical privacy
Employers cannot demand full medical records.
The right to follow your doctor’s advice
Your doctor, not your employer, determines your work capacity.
The right to appeal or sue after a denial
If your insurer denies your STD claim, you may have the right to sue for damages.
The right to reasonable accommodation
Employers must make reasonable accommodations before forcing you back to work.
The right to mental health leave
Mental health conditions are protected and must be treated like any physical illness.
What to Do If Your STD Claim Is Denied in Ontario
- Do NOT appeal internally.
These appeals almost never work and only delay progress.
- Contact an STD lawyer right away.
There are limitation periods that may affect your rights.
- Continue seeing your doctor.
Your medical documentation is essential.
- Do not argue with your employer.
Anything you say can end up in the insurer’s file.
We take over everything — so you don’t have to.
Speak to an Ontario STD Lawyer
Serving Clients Across Ontario
We represent STD clients everywhere, including:
Toronto • Mississauga • Brampton • Hamilton • London • Ottawa • Niagara • Windsor • Kitchener-Waterloo • Oshawa • Guelph • Barrie • Sudbury • Thunder Bay
You do not need to live near our office.
Consultations available by phone, video, or in person.
Why Clients Choose Kotak Law
Experienced disability lawyers serving Ontario
Lexpert-recognized for LTD/STD claims
Featured on CTV, CP24, Global, CHCH, Toronto Star
Thousands of disability clients helped
Fast action — no delay tactics
Compassionate guidance during a difficult time
We understand the stress of being sick or injured and denied income.
We treat every client with empathy and respect.
Client Testimonials
“My employer tried to force me back to work after stress leave. Kotak Law stepped in and protected me. Highly recommended.”
— Ontario Client
“My short-term disability claim was rejected. Kotak Law fought for me and won all my back pay.”
— Ontario Client
Free Consultation — Ontario Short-Term Disability Lawyers
If your short-term disability claim has been denied, delayed, or cut off, our team at Kotak Law is ready to help.
No Win, No Fee • Free Consultation • Confidential
Kotak Personal Injury Law
Kotak Personal Injury Law
607 Gerrard Street East, Suite 403
Toronto Ontario M4M 1Y2
Phone: (416) 816-1500
Email: info@kotaklaw.com
Service offered in Punjabi, Hindi, Urdu, Mandarin and Cantonese.
