Welcome to Kotak Law
We are the experienced, effective and compassionate path to compensation.
We are result oriented and work as a team to maximize the money you receive.
We understand that being denied disability benefits or suffering an injury can be devastating. Your time to sue is limited. Please do not delay in calling a lawyer at Kotak Personal Injury Law
Call us at 1-888-GOKOTAK or (416) 816-1500.
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Disability insurance companies may offer an internal appeal process and often it is a waste of time. Insurer’s rarely change their decision through this appeal. A more effective solution is to have a disability lawyer commence a law suit against the insurance company. At Kotak Law we will issue your claim quickly and move your case forward towards a settlement. Remember you are not alone. We can help.
How long you are entitled to receive long term disability benefits depends on the wording of the insurance policy. Most policies provide for disability payments up to age 65 if you meet the definition of total disability. Some policies have shorter benefit periods and a few provide for payments beyond age 65.
Coverage for disability is governed by the insurance policy. In general long term disability policies will provide for payment for any type of illness or sickness that prevents you for performing the essential tasks of your employment and for payment after two years if you are prevented from performing any employment that you are suited to by way of education, training or experience. Some covered ailments include depression, anxiety, chronic pain, heart disease, cancer, fibromyalgia, migraines, IBS, organ failure, strokes, inflammatory disorders and neurological impairments.
Insurance companies often deny short term disability claims. Some reasons insurance companies give are:
- There is insufficient medical evidence.
- Video surveillance shows you doing things you said you couldn’t do.
- Your social media posts show you as active and not showing signs of depression.
At Kotak Law we help clients who have been denied short term disability. We can help. Call us for a free consultation.
A disability lawyer represents people whose disability benefits have been denied or cut off by an insurance company. They will gather medical evidence to establish that a claimant meets the definition of total disability as set out in the insurance contract. They will commence a claim against the disability insurer and obtain a settlement or court order with the instructions of the client.
At Kotak Law our practice focuses on helping clients receive disability benefits when their ability to work has been impaired by anxiety and depression. We obtain records and reports from doctors who have provided treatment and we present evidence in support of the claim in order to secure a just compensation award.
At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.
Chronic Pain
CPP Disability Benefits
Depression and Anxiety
Fibromyalgia
Headaches and Migraines
Other LTD Ailments
Disability Claim FAQ
Short Term Disability
Disability insurance companies may offer an internal appeal process and often it is a waste of time. Insurer’s rarely change their decision through this appeal. A more effective solution is to have a disability lawyer commence a law suit against the insurance company. At Kotak Law we will issue your claim quickly and move your case forward towards a settlement. Remember you are not alone. We can help.
How long you are entitled to receive long term disability benefits depends on the wording of the insurance policy. Most policies provide for disability payments up to age 65 if you meet the definition of total disability. Some policies have shorter benefit periods and a few provide for payments beyond age 65.
Coverage for disability is governed by the insurance policy. In general long term disability policies will provide for payment for any type of illness or sickness that prevents you for performing the essential tasks of your employment and for payment after two years if you are prevented from performing any employment that you are suited to by way of education, training or experience. Some covered ailments include depression, anxiety, chronic pain, heart disease, cancer, fibromyalgia, migraines, IBS, organ failure, strokes, inflammatory disorders and neurological impairments.
Insurance companies often deny short term disability claims. Some reasons insurance companies give are:
- There is insufficient medical evidence.
- Video surveillance shows you doing things you said you couldn’t do.
- Your social media posts show you as active and not showing signs of depression.
At Kotak Law we help clients who have been denied short term disability. We can help. Call us for a free consultation.
At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.
A personal injury case involves a situation where one person is injured due to the fault of another. Common types of personal injury cases include car accidents, slip and falls, dog bites, and defective products.
- Call the police
- Call for an ambulance if needed.
- Take pictures and secure the names of witnesses if you are able to.
- Take down the information of all parties involved (licence plate(s), drivers licence(s) and insurance information)
- Contact your insurance company within 7 days.
- Follow up with your family doctor.
- Contact a personal injury lawyer at Kotak Law to discuss your case.
It could take from a few months to several years to resolve a personal injury case in Ontario. Many factors influence the length of time it takes. This includes the severity of the injury, how many parties you have to sue, if there is a dispute over who was at fault and inherent court delays.
At Kotak Law we only get paid when we settle your case. Fees are calculated as a percentage of what is recovered plus disbursements. There are no hidden fees and everything is clearly set out in a written retainer.
Car
Accidents
Slip and fall
Catastrophic Injuries
Traumatic Brain Injury
Why Choose Kotak Law?
We are the experienced, effective and compassionate path to compensation. We are result oriented and work as a team to maximize the money you receive.
- FREE
CONSULtation - Excellent
Reviews - You Don’t Pay
Unless We Win - Highly Responsive
and accessible
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Kodak law took on my tricky preexisting disability denial. Although the insurance company tried to play hard ball all the way. Avi and the Kotak team countered their every move resulting in a very reasonable settlement. If I was ever in a similar position, Kotak would be my 1st call!
ray boston
May 7, 2026Kotak Law, specifically Kaity & Klara were amazing to work with and got results way beyond what we expected after having such a difficult and lengthy experience with my son's disability claim. I would highly recommend their service. They are professional and empathetic. We always knew they had our best interest at heart. Kaity is a master negotiator, too! We would have had nothing without their help!
Cheryl Monette
April 1, 2026We want to thank Avinaash of Kotak law for taking on our case. He was friendly, knowledgeable, open and honest. He was clear as to processes, risks, costs and benefits expected. Thank you for your hard work and helping us through a difficult time.
Toni Clark
March 18, 2026 -
I had an excellent experience working with my Avi on my short-term disability claim involving both my insurance company and employer. From start to finish, he was professional, responsive and incredibly knowledgeable. He communicated clearly at every step, set realistic expectations and handled the entire process with confidence and care. What I appreciated most was how hands-off I was able to be. He took care of everything, dealt directly with the insurance company and navigated the complexities without adding stress during an already difficult time. His persistence and strategic approach led to a strong outcome and I’m very pleased with the result. I’m truly grateful for his support and would highly recommend him to anyone needing strong, reliable representation.
Edward Tam
February 20, 2026I hired Kotak Law in Mississauga to help with my disability claim after finding them through their highly rated reviews. From the very beginning, they were professional, knowledgeable, and responsive. Their team is exceptionally strong and experienced, I felt informed and supported at every step, and they handled my case with confidence and great attention to detail. They truly know what they’re doing and work seamlessly as a team. Special thanks to Avinaash, Gurbacan, and Nainesh for their dedication and support. I highly recommend Kotak Law to anyone needing help with a disability claim.
AT
February 11, 2026Huge shout out and compliments to the staff at Kotak Law. Specifically Avinaash, Mr. Kotak & Emily. Choosing to take a leap of faith with this firm to handle my case, proved how dedicated they were. Avi took the time and care to answer my questions and most importantly spoke to me in language I understood. He’s exceptional to work with. Emily quickly relayed information, and brought a kind, sweetness in her calls and emails. Mr. Kotak was a gentle soul who saw my case and knew I needed someone to fight for me. His kindness and expertise wrapped everything up with ease. I’m forever grateful for everyone who believed in me and got me to the end on a positive note. Thank you!
Cyndi Waye
February 3, 2026 -
I want to extend my sincere thanks to Kotak Law, and specifically to Avinaash Laljie, who handled my case. Avinaash made what could have been a difficult process feel incredibly seamless. His professionalism was matched only by his genuine care for my situation; he was always available to answer questions and kept me informed throughout. I highly recommend Kotak Law, and I would specifically seek out Avinaash again for his remarkable hard work and dedication to his clients
Yashar Namdar
January 29, 2026When I first thought of contacting a law firm to address my claim, I was terrified!! Kotak Law alleviated any fear and doubt I initially had. From the moment I spoke with both Rajiv Hate and Emily Pacheco I knew I was in good hands. Rajiv was very professional and at the same time made me feel heard. I was kept informed and guided throughout the entire process. My claim was a success and I am so grateful to Rajiv and his team. I would highly recommend!! Thank you,
Angie Markle
January 5, 2026I had an exceptional experience working with Kotak Law Firm. From the moment I reached out, their team was professional, responsive, and attentive to my needs. They took the time to understand my case thoroughly and provided clear, sound legal advice at every step. Their expertise and dedication were evident, and I always felt confident in their ability to handle my legal matters. The personalized service and attention to detail were second to none. I highly recommend Kotak Law Firm for anyone seeking top-notch legal representation!
Rishi Seeram
April 18, 2025
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