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Review Keywords Analysis

  1. Canada
  2. Best Disability Lawyers
  3. Disability Lawyers in British Columbia
  4. Surrey
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Surrey, BC

Denied, cut off or offered a buyout? Estimate your back pay, future benefits and a typical lump-sum settlement. Free, instant, no sign-up.

Updated · lawyer rankings recalculated

Deadlines and discount rates are for this province.

General estimate only, not legal or tax advice. No lawyer–client relationship is created.

Top-rated disability lawyers in Surrey

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Allied Law - Criminal and Immigration Lawyer Surrey BC

Verified

Allied Law focuses on criminal and immigration cases, offering support during investigations or arrests with a transparent and straightforward process. The team handles a range of charges, including assault and driving while prohibited, aiming to prevent jail time or a criminal record. Clients appreciate the empathetic approach, though experiences with legal knowledge vary.

View Profile
(236) 878-2433
Open 9:00 AM - 6:00 PM
7238 137 St #106, Surrey, BC V3W 1V3, Canada
2

Triton Law

Specializing in personal injury claims, Triton Law assists clients with cases ranging from car accidents to complex brain and spinal injuries. The team handles a variety of situations, including ICBC claims and injuries from falls or assaults. Clients often appreciate their professionalism and supportive approach, though a few note occasional communication delays.

Services & Prices
Medical Negligence Claims No Win, No Fee
Surgical Error Cases No Win, No Fee
Misdiagnosis Claims No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(604) 562-4466
Open 9:00 AM - 5:00 PM
6680 152A St #102, Surrey, BC V3S 7J1, Canada
General Services
Medical Malpractice Claims
3

Gosal & Company | WorkSafeBC (WCB) Lawyers

Gosal & Company focuses primarily on WorkSafeBC claims, with decades of experience representing injured workers. Their team handles appeals, WCAT hearings, and long-term disability cases related to workplace injuries. While some clients appreciate their thoroughness and clear guidance, a few have raised concerns about billing and communication.

Services & Prices
Appeals Process $200 - $500
WCAT Hearing Representation $500 - $1000
Claim Filing Assistance $150 - $300
Appeals for Denied Claims $300 - $600
View Profile
(604) 591-8187
Open 9:00 AM - 5:00 PM
9639 137a St #304, Surrey, BC V3T 0M1, Canada
General Services
WorkSafeBC Claim Assistance
4

Wirsig Matheos Lawyers

Wirsig Matheos focuses on helping clients challenge disability claim denials from major Canadian insurers. Their team handles complex cases with patience and clear communication, guiding clients through the legal process. Customers appreciate their supportive approach and thorough knowledge, though some note the process can take time due to case complexity.

Services & Prices
Motor Vehicle Accident Claims $25 - $50
Insurance Negotiations $15 - $30
Settlement Representation $20 - $40
Claim Application Assistance $10 - $20
View Profile
(604) 583-2200
Open 8:30 AM - 5:00 PM
13450 102 Ave #1500,Surrey, BC V3T 5X3
General Services
Personal Injury Law
5

Origin Law Group

Origin Law Group represents clients in disability, family, corporate, and personal injury law, with a focus on wrongful death cases. The team prepares thoroughly for trial and settlement negotiations, aiming to support clients through difficult times. Some clients note occasional delays in communication, though many appreciate the team’s professionalism and care.

Services & Prices
Survival Actions No Win, No Fee
Loss of Support Recovery No Win, No Fee
Settlement Negotiation No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(604) 265-8400
Open 9:00 AM - 5:00 PM
15315 31st Ave #101,Surrey, BC V3Z 6X2
General Services
Wrongful Death Claims
Where they are 10 on the map Click a pin for the profile and directions
6

Herr Law Group

Herr Law Group specializes in Canadian immigration law, guiding clients through complex visa applications to find efficient pathways to immigration. The team also handles real estate and other legal matters, with clients appreciating their thorough communication and professional, transparent approach, though some cases may take time due to external delays.

Services & Prices
Real Estate Purchase $2000 - $3000
Real Estate Sale $1500 - $2500
Real Estate Litigation $3000 - $5000
Civil Litigation $2500 - $4000
View Profile
(604) 372-0499
Open 9:00 AM - 5:00 PM
15240 56 Ave #200, Surrey, BC V3S 5K7, Canada
General Services
Real Estate Law
7

Virsa Law Group LLP

Virsa Law Group LLP focuses on personal injury and disability cases, offering clear communication and upfront explanations without hidden fees. The team handles claims with professionalism and keeps clients informed throughout the process, though experiences with individual lawyers vary. Clients appreciate their knowledge and willingness to answer questions at any time.

Services & Prices
Car Accident Claims $2500 - $5000
Injury Claims $2000 - $4000
Medical Malpractice Claims $3000 - $7000
Conveyancing Services $1000 - $2000
View Profile
(778) 900-0900
Open 9:00 AM - 5:00 PM
5477 152 St #110, Surrey, BC V3S 5A5, Canada
General Services
Personal Injury Law
8

KSW Lawyers | South Surrey Law Firm

KSW Lawyers has been assisting clients in the Fraser Valley since 1973, offering support in various legal areas including disability law. The team is known for clear communication and attentive service, helping clients navigate complex situations with care. Some clients have noted occasional billing and documentation issues in corporate matters.

Services & Prices
Real Estate Transactions $500 - $1500
Leasing Agreements $300 - $700
Title Searches $150 - $300
Will Facilitation $600 - $1200
View Profile
(604) 535-8770
Open 9:00 AM - 5:00 PM
15300 Croydon Dr #206, Surrey, BC V3Z 0Z5, Canada
General Services
Real Estate Services
9

Dyson Law Firm

With over two decades of experience, Dyson Law Firm focuses on complex personal injury and insurance disputes, including ICBC claims. The team is known for thorough communication and steady support throughout lengthy cases, though some matters can take several years to resolve. Clients appreciate their persistence and detailed attention.

Services & Prices
Car Accident Claims $15000 - $50000
Slip and Fall Injuries $10000 - $30000
ICBC Settlements $15000 - $60000
Claim Forms Assistance $50 - $150
View Profile
(604) 876-7000
Open 9:00 AM - 5:00 PM
9613 192 St, Surrey, BC V4N 4C7, Canada
General Services
Personal Injury Law
10

Satinder Dhaliwal Law Corporation

Satinder Dhaliwal Law Corporation offers knowledgeable legal support across corporate law, commercial real estate, immigration, and wills & estates. The team is praised for clear communication, responsiveness, and thorough explanations, making complex matters easier to understand. Some clients note the firm’s availability at various times of day as a helpful aspect of their service.

Services & Prices
Business Structuring $500 - $1000
Mergers and Acquisitions $1500 - $3000
Shareholder Agreements $300 - $800
Lease Negotiation $200 - $500
View Profile
(604) 360-0516
Open 9:00 AM - 5:00 PM
15300 Croydon Dr #300, Surrey, BC V3Z 0Z5, Canada
General Services
Corporate Law Services

Latest reviews of Surrey Disability Lawyers

Written on TrustAnalytica by clients of the businesses in this list
  • Madi

    I have never dealt with such a money grubbing company before. The “free consultation “ was absolutely nothing but a claim that they could get me more money for my injury. Paid thousands of dollars only to have them start harassing me and claiming I didn’t pay my bill even though I had and had the re…

  • V

    Gosal & Company was highly recommended to me to be helped with my WorkSafeBC Claim in 2020, and I am so pleased I reached out to Mr. Gosal then because I had no idea of the uphill battle this was going to be. WorkSafeBC had initially accepted my claim, but one week into it, they turned around and re…

Surrey Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Allied Law - Criminal and Immigration Lawyer Surrey BC 4.3 6 — (236) 878-2433 Visit
2 Triton Law 4.8 116 No Win, No Fee (604) 562-4466 Visit
3 Gosal & Company | WorkSafeBC (WCB) Lawyers 4.7 102 $150 (604) 591-8187 Visit
4 Wirsig Matheos Lawyers 5.0 43 $10 (604) 583-2200 Visit
5 Origin Law Group 4.7 45 No Win, No Fee (604) 265-8400 Visit
6 Herr Law Group 4.5 32 $50 (604) 372-0499 Visit
7 Virsa Law Group LLP 4.8 24 $300 (778) 900-0900 Visit
8 KSW Lawyers | South Surrey Law Firm 4.7 14 $150 (604) 535-8770 Visit
9 Dyson Law Firm 5.0 11 $50 (604) 876-7000 Visit
10 Satinder Dhaliwal Law Corporation 5.0 10 $150 (604) 360-0516 Visit

How this Surrey long-term disability calculator works

This calculator adds two numbers. Back pay is the monthly benefit your policy should have paid (after any CPP-D offset) multiplied by the months it has been unpaid. Future benefits are the same monthly amount until benefits normally end at age 65, converted to today's value with a discount rate. Insurers rarely pay the full future value in a lump sum, so the estimate also shows the range buyouts typically land in, which depends on whether you are still being paid, were cut off, or were denied from the start.

British Columbia rules this calculator applies

Deadline to act
Generally 2 years from when you knew or should have known you had a claim, usually when benefits were denied or stopped (Limitation Act). Your policy may set its own terms, so act early.
Discount rate
Future benefits are discounted at 1.5%, the rate BC courts use for future earnings (Law and Equity Regulation).
Typical buyout range
Published lump-sum settlements land at about 50–75% of the present value of future benefits when the claim is being paid, 40–70% after benefits are cut off, and 30–60% when the claim was denied from the start. Back pay is added on top.
CPP-D offset
Most group policies reduce your LTD benefit by any CPP Disability you receive (about $1,236 a month on average in 2026).
Tax
If your employer paid any part of the premiums, monthly LTD benefits are taxable. In a lump-sum settlement of a denied claim, the back-pay portion is usually taxable and the future portion often is not, so how the settlement is split matters. Get tax advice before you sign.
Extra damages
Canadian courts can add damages for mental distress caused by a wrongful denial (Fidler v. Sun Life, 2006 SCC 30) and, rarely, punitive damages for bad faith (Whiten v. Pilot, 2002 SCC 18). These are seldom part of a settlement and are not in this estimate.

General information about British Columbia disability insurance law, not legal or tax advice. The estimate is not a guarantee: your policy wording, medical evidence, offsets and the insurer's position all change the answer. A disability lawyer can tell you how these rules apply to you.

Frequently asked questions

8 questions
How does the long-term disability settlement calculator work?
It estimates back pay owed, future benefits to age 65, their present value, and a typical lump-sum settlement range based on your claim status, policy type, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum settlement offer to close your claim. It typically ranges from 30-75% of the present value of future benefits, plus back pay.
Why are LTD settlements below full value?
Settlements reflect the uncertainty of future benefits and the insurer's risk. They typically range from 30-75% of the present value of future benefits.
What is the deadline for an LTD claim in British Columbia?
Generally, the deadline is 2 years from when you knew or should have known you had a claim, often when benefits were denied or stopped.
Is a lump-sum LTD settlement taxable in Canada?
If your employer paid any premiums, monthly benefits are taxable. In a denied claim settlement, back pay is usually taxable, future portions often are not.
What is the 'own occupation' vs 'any occupation' test?
Most LTD policies switch from an 'own occupation' to an 'any occupation' test after 24 months, affecting eligibility for continued benefits.
What if my LTD claim was denied in Surrey, BC?
If denied, you may have options like appealing or negotiating a settlement. The calculator estimates potential back pay and settlement value.
How accurate is the LTD settlement calculator?
The calculator provides estimates based on typical ranges and factors like policy terms and claim status. It is not a guarantee of outcome.

General information, not legal advice — consult a licensed British Columbia lawyer.