Long-Term Disability Settlement Calculator Saint John, NB
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
Individual policies can cap the monthly benefit or end at a different age. Check your policy schedule.
Enter your monthly benefit, or your salary.
The 2026 average is about $1,236 a month.
Count from when benefits stopped (or should have started) until today.
Enter your age (18 or older, below the age benefits end).
Barapp Injury Law Corp
5.0 · 8 reviews · Disability claims
Free claim review →
Cox & Palmer
3.4 · 10 reviews · Disability claims
Free claim review →
Cantini Law Group - Saint John
4.9 · 7 reviews · Disability claims
Free claim review →
General estimate only, not legal or tax advice. No lawyer–client relationship is created.
Top-rated disability lawyers in Saint John
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Barapp Injury Law Corp
Barapp Injury Law Corp focuses on personal injury cases, helping clients navigate complex legal challenges after accidents and negligence. Their team handles investigations, evidence gathering, and strict timelines with professionalism and clear communication. Clients appreciate their attentive, approachable service and the support they provide throughout often lengthy processes.
Cox & Palmer
With over a century of experience, Cox & Palmer offers legal services across a wide range of sectors, including disability law. The team focuses on building strong client relationships and delivering timely solutions tailored to individual needs. Some clients note delays and communication gaps during case handling.
Cantini Law Group - Saint John
Cantini Law Group has over 35 years of experience representing people injured across Atlantic Canada, focusing on personal injury cases. They offer free case evaluations and guide clients through insurance laws, time limits, and legal rights, often meeting in homes or hospitals for convenience. Clients appreciate their clear communication and support throughout the process.
Brenton Kean
Brenton Kean was formed on January 1, 2013, by Maria Henheffer, QC, Michael Brenton QC, William Kean, QC, Donald Keenan, and Nadia Macphee, all of whom had practiced together for many years in a large New Brunswick firm. Brenton Kean was founded to allow those partners to serve the needs of existing clients while continuing to expand its practice. Brenton Kean is an independent group of… more...
Brenton Kean was formed on January 1, 2013, by Maria Henheffer, QC, Michael Brenton QC, William Kean, QC, Donald Keenan, and Nadia Macphee, all of whom had practiced together for many years in a large New Brunswick firm. Brenton Kean was founded to allow those partners to serve the needs of existing clients while continuing to expand its practice. Brenton Kean is an independent group of award-winning, community-minded lawyers specializing in various civil litigation, labor, and employment as well as corporate and commercial law. Brenton Kean firm's experienced team can assist you with matters such as administrative law, bankruptcy and insolvency, civil litigation, estates, wills and trusts, personal injury, and more.'
Canty Lutz Grant
Corben Parker has experience in insurance, personal injury and labor, and employment. Corben was born in Saint John New Brunswick and received a Bachelor of Science degree in Human Kinetics at St. Francis Xavier University. He was a director on Antigonish Community Health Board and the athletic therapist for the 2017 Telus Cup Champion Cape Breton West Islanders. Corben was Head Page of the… more...
Corben Parker has experience in insurance, personal injury and labor, and employment. Corben was born in Saint John New Brunswick and received a Bachelor of Science degree in Human Kinetics at St. Francis Xavier University. He was a director on Antigonish Community Health Board and the athletic therapist for the 2017 Telus Cup Champion Cape Breton West Islanders. Corben was Head Page of the Legislative Assembly of New Brunswick during law school from 2018 to 2020. In 2021, he earned his Juris Doctorate from UNB. He then worked as an article with Canty-Lutz Grant until he was called to the New Brunswick Bar. Corben is currently a member of the Shining Horizons Therapeutic Riding Centre Board of Directors and a volunteer judge in the St. Thomas University Moot-Court program.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Barapp Injury Law Corp | 5.0 | 8 | $1,500 | (506) 799-5991 | Visit |
| 2 | Cox & Palmer | 3.4 | 10 | $60 | (506) 632-8900 | Visit |
| 3 | Cantini Law Group - Saint John | 4.9 | 7 | — | (506) 642-1373 | Visit |
| 4 | Brenton Kean | 4.0 | 4 | — | (506) 633-2556 | Visit |
| 5 | Canty Lutz Grant | 4.7 | 3 | — | (506) 658-0433 | Visit |
How this Saint John 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.
New Brunswick rules this calculator applies
- Deadline to act
- Generally 2 years from discovery (Limitation of Actions Act); the Insurance Act or your policy may set a shorter period, so get advice promptly. 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 New Brunswick 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
9 questionsHow does the long-term disability settlement calculator work?
What is a long-term disability buyout?
Why are LTD settlements below full value?
What is the deadline to file an LTD claim in New Brunswick?
Is a lump-sum LTD settlement taxable in New Brunswick?
What is the own-occupation vs any-occupation test in LTD policies?
What should I do if my LTD claim is denied in Saint John?
How accurate is the LTD settlement calculator?
How is back pay calculated for LTD claims?
General information, not legal advice — consult a licensed New Brunswick lawyer.