Kotak Lawyers

our monthly benefit reinstated. That’s fair — it’s the income you and your family depend on. But in some cases, Ontario and Alberta courts have found that an insurer didn’t just get the decision wrong. They handled the claim so unfairly that they were ordered to pay the claimant significantly more than the benefits owed — sometimes hundreds of thousands of dollars more.

Quick answer: After a car accident in Toronto, your first priorities are safety, medical care, and documentation. Move to safety, call 911 if anyone is injured, report the collision to a Toronto Collision Reporting Centre if damage exceeds $5,000, exchange information, and notify your insurer within seven days. Seek legal advice promptly, Ontario’s two-year l...

If you have recently stopped working because of an illness, injury, chronic medical condition, or mental health issue, you may be wondering whether you qualify for long-term disability (LTD) benefits and what to do if your claim is denied.

Many Ontarians discover that applying for long-term disability benefits is not as straightforward as they expected. Disability insu...

If an illness, injury, or medical condition prevents you from working, one of the first questions you may ask is:

“When do long-term disability benefits start?”

Long-term disability (LTD) benefits rarely begin immediately. In most cases, benefits start...

Living with fibromyalgia exhausts you physically, emotionally, and financially. You likely manage chronic pain, deep fatigue, sleep disruption, and cognitive challenges that make full-time work impossible.

Despite the severe impact of this condition, insurance companies frequently deny short-term and long-term disability claims for fibromyalgia. Many people feel shocke...