Canada Life sells disability and life insurance in addition to other policies. Unfortunately, despite premiums being paid they often deny disability claims or terminate them on the basis that there is insufficient evidence. At Kotak Law, we have a track record of standing up for those who have unjustifiably had their claims denied or terminated by Canada Life. Over the years, our skilled legal team has successfully represented numerous individuals, assisting them in their fight for the benefits they rightfully deserve. Our hands-on experience with cases like these has equipped us with the know ..read more

Kotak Law is your path to successfully disputing disability claim denials. When the unfortunate circumstance arises that one’s short term or long term disability claim has been denied, we with our extensive knowledge and experience at Kotak Law, stand ready to assist. Disability law can oftentimes be confusing to claimants and denial of benefits can further add to the distress. Disputing claim denials although seemingly daunting, can chart the course towards an effective resolution. Close collaboration with a seasoned disability law firm, such as Kotak Law, is the path to achieving the compens ..read more

In the bustling cityscape of downtown Toronto, a topic has emerged from the city council that is as relevant as it is controversial. The increasing incidences of dog bites and maulings have prompted city officials to reconsider how dangerous dogs are managed within the city. At the heart of this debate is a groundbreaking proposition: the introduction of an online public list of dogs deemed dangerous by the city alongside an intensification of public education and stricter enforcement measures. This blog post delves into the implications of these proposals and what they mean for dog owners, vi ..read more

Imagine this: due to unforeseen circumstances, you find yourself unable to work. You’ve paid your insurance premiums dutifully, believing that they would provide the necessary cover when the chips are down. However, your short-term disability claim is denied, leaving you in a precarious financial situation. Sounds frightening, doesn’t it? This is a harsh reality for many. Short-term disability benefits, which are insurance payments meant to cover a portion of your income for up to six months, often get denied, leaving individuals struggling to meet basic expenses. But there’s hope. At Kotak Pe ..read more

Ontario’s insurance landscape is changing. The region is grappling with high premiums, lack of coverage, and a booming insurance industry. Amid this backdrop, the government has introduced legislation that allows residents to opt out of direct property damage compensation. Now, more than ever, it’s crucial to understand these changes and ensure you’re adequately covered. The Current State of Insurance in Ontario The insurance industry in Ontario is thriving. However, this prosperity isn’t trickling down to policyholders, who face high premiums and insufficient coverage. It’s so essential to as ..read more

Understanding the intricacies of your insurance policy can feel like trying to decode an alien language. However, when it comes to your disability insurance, one small add-on called the “own-occupation rider” can potentially make a significant difference. It’s time to demystify this essential tool and empower you to make informed decisions about your financial safety net. What is an Own-Occupation Rider? An own-occupation rider is an additional feature you can include in your disability insurance policy. It changes the criteria for what’s considered a total disability. Most policies stipulate ..read more

When it comes to long-term disability cases, mediation plays a pivotal role. It’s a neutral process where a third-party mediator facilitates a discussion between you and the opposing side. If you find yourself heading into a mediation, understanding this process can relieve some of the stress and uncertainty. Approximately 80% of mediations result in a settlement, which is a tremendous outcome that can alleviate the burden for claimants. Let’s delve into how one should prepare for a mediation and what happens during the process itself. **Preparing for a Mediation** About a week before the medi ..read more

According to recent studies, there’s been an alarming rise in violence in schools since the end of the pandemic lockdowns. This escalating trend is causing an undue strain on teachers, leading to negative mental health outcomes, and in some cases, long-term disability. **The Impact of School Violence on Teacher Mental Health** Increased instances of disruptive behavior and violence in schools are significantly affecting teachers’ mental health. This escalating crisis is leading to an uptick in stress relief applications, sick leave, and short-term and long-term disability claims among teachers ..read more

In a world where mental health is increasingly gaining the attention it deserves, it’s essential to understand your rights and navigate the complexities of disability claims. Navigating disability claims related to mental health can be tricky. Nainesh Kotak sheds light on successfully steering through these claims. ## The Stigma and Subjectivity of Mental Health Claims The biggest hurdle in mental health claims is the stigma around mental illnesses. Many sufferers shy away from revealing their struggles, leading to an absence of concrete evidence for insurance companies to validate their claim ..read more

If you’ve ever faced the daunting challenge of a denied disability claim, particularly one related to mental health, you understand the struggle that ensues. Despite the advancements in mental health awareness, the stigma persists and claims related to mental health disorders are often dismissed. At Kotak Law, we’re driven to change this narrative by providing aggressive but empathetic representation to clients who have been denied their rightful claims. Navigating the Complex Terrain of Disability Claims Many people have group or private plans that provide coverage for short-term or long-term ..read more