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Review Keywords Analysis

  1. Canada
  2. Best Disability Lawyers
  3. Disability Lawyers in British Columbia
  4. Vancouver
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
Step 1 of 4

Long-Term Disability Settlement Calculator Vancouver, 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 Vancouver

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

1

Taylor & Blair LLP

Verified

Taylor & Blair LLP has more than 30 years of experience representing British Columbia clients in personal injury, employment law and insurance denial claims, including long-term disability, wrongful dismissal, slip and fall and occupiers’ liability cases. The firm also handles life, critical illness and property insurance disputes. Clients appreciate the team’s thoroughness, attention to detail… more...

Taylor & Blair LLP has more than 30 years of experience representing British Columbia clients in personal injury, employment law and insurance denial claims, including long-term disability, wrongful dismissal, slip and fall and occupiers’ liability cases. The firm also handles life, critical illness and property insurance disputes. Clients appreciate the team’s thoroughness, attention to detail, clear communication and responsiveness.

Services & Prices
Personal Injury Free Case Assessment
Employment Law $300 - $400
Long Term Disability Free Case Assessment
Denied Insurance Free Case Assessment
View Profile
(604) 737-6900
Closed Now
805 W Broadway #1607, Vancouver, BC V5Z 1K1, Canada
General Services
Personal Injury Law
2

Kent Employment Law

Verified

Kent Employment Law focuses on employment-related legal issues for both employers and employees across British Columbia and Alberta. Their team handles matters like wrongful termination, severance packages, workplace harassment, and disability claims. Clients appreciate their clear communication and supportive approach throughout often stressful situations.

Services & Prices
Initial Consultation $100 - $200
Follow-Up Consultation $150 - $250
Document Review $200 - $300
Severance Review $200 - $400
View Profile
(604) 266-7006
Closed Now
1285 W Broadway #600, Vancouver, BC V6H 3X8, Canada
General Services
Employment Law Consultation
3

Samfiru Tumarkin LLP Employment Lawyers

Samfiru Tumarkin LLP specializes in employment and disability law, helping clients navigate disputes, wrongful termination, and denied long-term disability claims. Their team offers clear communication and compassionate support, guiding clients through complex insurance challenges. Some cases may experience delays due to staff changes, but the firm remains a reliable resource for those seeking… more...

Samfiru Tumarkin LLP specializes in employment and disability law, helping clients navigate disputes, wrongful termination, and denied long-term disability claims. Their team offers clear communication and compassionate support, guiding clients through complex insurance challenges. Some cases may experience delays due to staff changes, but the firm remains a reliable resource for those seeking legal advice.

Services & Prices
Severance Package Review $400 - $600
Constructive Dismissal Claims $800 - $1500
Employment Contract Review $300 - $500
Long Term Disability Appeals $1000 - $2000
View Profile
(604) 283-3123
Closed Now
580 Hornby St #520, Vancouver, BC V6C 3B6, Canada
General Services
Employment Law
4

Tevlin Gleadle Curtis

Specializing in employment law across multiple Canadian provinces, Tevlin Gleadle Curtis serves employees, employers, contractors, and groups of workers with cases including wrongful dismissal, contract negotiations, and human rights complaints. The team also handles workplace investigations and dispute resolution through mediation and arbitration. Clients appreciate the thoroughness and support… more...

Specializing in employment law across multiple Canadian provinces, Tevlin Gleadle Curtis serves employees, employers, contractors, and groups of workers with cases including wrongful dismissal, contract negotiations, and human rights complaints. The team also handles workplace investigations and dispute resolution through mediation and arbitration. Clients appreciate the thoroughness and support, though experiences with individual lawyers can vary.

Services & Prices
Wrongful Dismissal Representation $1500 - $3000
Employment Contract Review $200 - $500
Human Rights Violations Advice $1000 - $2500
Initial Consultation $150 - $300
View Profile
(604) 648-2966
Closed Now
543 Granville St #1050,Vancouver, BC V6C 1X8
General Services
Employment Law
5

Disability Alliance BC

Disability Alliance BC focuses on supporting people with disabilities by helping them access benefits and navigate appeals with government programs like the Ministry of Social Development. The team offers advocacy, advice, and some tax assistance at no cost, though clients often experience long wait times and limited availability due to high demand and funding constraints.

Services & Prices
Application Guidance $0 - $0
Appeal Process Assistance $0 - $0
Tax Return Filing $10 - $20
Tax Regulations Advice $0 - $0
View Profile
(604) 872-1278
Closed Now
605 Robson St, Vancouver, BC V6B 5J3, Canada
General Services
Disability Benefits Assistance
Where they are 9 on the map Click a pin for the profile and directions
6

Wirsig Matheos Lawyers - Vancouver

Wirsig Matheos Lawyers specializes in disability claim disputes, helping clients challenge denials from major Canadian insurers like Manulife and Sun Life. The team is known for thorough, compassionate support throughout complex cases, with clients appreciating their clear communication and understanding approach, though some note the process can still be lengthy.

Services & Prices
Long-Term Disability Claims $1000 - $3000
Disability Appeal Services $800 - $2000
Disability Settlement Negotiations $1200 - $2500
Insurance Claim Appeals $800 - $1500
View Profile
(604) 684-9300
Closed Now
1055 W Hastings St #300, Vancouver, BC V6E 2E9, Canada
General Services
Disability Claims
7

Dyson Law Firm

With over three decades of experience, Dyson Law Firm specializes in personal injury and insurance claims, including motor vehicle accidents and group actions. The team is known for being attentive and responsive, helping clients navigate complex cases with clear communication, though some find the process demanding due to case complexity.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Pre-Settlement Negotiation No Win, No Fee
View Profile
(604) 876-7000
Closed Now
601 W Broadway #400, Vancouver, BC V5Z 4C2, Canada
General Services
Workers' Compensation Claims
8

helpforme

Helpforme offers disability legal services on a contingency fee basis, so you don’t pay until your claim is successfully resolved. The team handles all legal work related to compensation claims, allowing clients to focus on their recovery. Clients appreciate their clear communication, regular updates, and supportive approach throughout the process.

Services & Prices
Motor Vehicle Accident Claims $8000 - $15000
Chronic Injury Compensation $10000 - $20000
Settlement Negotiation $1000 - $5000
View Profile
(604) 269-8500
Closed Now
2233 Columbia St #400, Vancouver, BC V5Y 0M6, Canada
General Services
Personal Injury Representation
9

Fishman Lawyers

Fishman Lawyers focuses on disability insurance appeals, offering clear guidance through complex processes. The team handles related family and criminal law matters, with clients appreciating their thorough communication and timely updates. Some find the process lengthy, but the firm’s expertise helps ease uncertainty throughout.

View Profile
(604) 369-4233
Closed Now
808 Nelson St, Vancouver, BC V6Z 2H2, Canada

Latest reviews of Vancouver Disability Lawyers

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

    Worked with Ben Tarnow through a recommendation of a coworker. Excellent to work with, patient and knowledgeable. I felt that I had all the information I needed to make informed decisions through the whole process, and any questions or concerns I had were promptly answered and clarified. Would highly recommend!

  • Shar

    Extremely happy with the service received from Sean Tevlin, he drafted an exceptional appeal letter and found a loophole in the article cited against me.

Vancouver Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Taylor & Blair LLP 4.9 170 $300 (604) 737-6900 Visit
2 Kent Employment Law 4.5 145 $100 (604) 266-7006 Visit
3 Samfiru Tumarkin LLP Employment Lawyers 4.8 445 $300 (604) 283-3123 Visit
4 Tevlin Gleadle Curtis 4.7 90 $100 (604) 648-2966 Visit
5 Disability Alliance BC 3.9 65 $10 (604) 872-1278 Visit
6 Wirsig Matheos Lawyers - Vancouver 5.0 28 $800 (604) 684-9300 Visit
7 Dyson Law Firm 5.0 27 No Win, No Fee (604) 876-7000 Visit
8 helpforme 5.0 22 $1,000 (604) 269-8500 Visit
9 Fishman Lawyers 4.2 5 — (604) 369-4233 Visit

How this Vancouver long-term disability calculator works

This calculator adds two numbers. Back pay is the monthly benefit your policy should have paid (capped at the policy maximum if it has one, less any CPP-D or WCB offset) multiplied by the months it has been unpaid. Benefits only start after your policy's waiting (elimination) period, so count unpaid months from the end of that period. Future benefits are the same monthly amount until your policy's end age (usually 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. If your benefit is taxable, it also shows roughly what you keep each month after tax.

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. An internal appeal to the insurer does NOT stop the limitation clock.
Discount rate
Future benefits are discounted at 3.5%, the rate disability lawyers commonly use to value LTD claims. If your benefit has a cost-of-living adjustment (COLA), the calculator uses 1.5% instead: your payments grow with inflation, so less is taken off for the time value of money.
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). WCB / WorkSafe benefits are usually deducted too.
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.
Recovery and life expectancy
Insurers rarely pay every month to the end date: they will argue you may recover or that your condition shortens your life expectancy. These arguments are complex and differ case by case, so have a lawyer assess how they apply to you.
Union members
If you are in a union, your collective agreement may require you to use the grievance process instead of suing when your LTD is denied. An experienced disability lawyer can tell you which route applies.

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 and future benefits based on claim status, policy type, monthly benefit, CPP-D offset, age, and months unpaid. It uses a 1.5% discount rate.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your claim. It typically ranges from 30-75% of future benefits' present value, plus back pay.
Why are LTD settlements below full value?
Settlements account for uncertainties and the time value of money, using a 1.5% discount rate, and often reflect the insurer's risk assessment.
What is the deadline for LTD claims in British Columbia?
Generally, you have 2 years from when you knew or should have known of your claim, often when benefits are denied or stopped.
Is a lump-sum LTD settlement taxable in Vancouver?
If your employer paid 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 policies switch from 'own occupation' to 'any occupation' after 24 months, affecting eligibility for continued benefits.
How accurate is the LTD settlement estimate?
The calculator provides a typical range based on verified factors, but individual circumstances may vary. It is not a guarantee.
What should I do if my LTD claim is denied in British Columbia?
Act quickly due to the 2-year limitation period. Consider consulting a professional for guidance specific to your situation.

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