Long-Term Disability Settlement Calculator St. John, NL
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).
MacGillivray Law
4.9 · 88 reviews · Disability claims
Free claim review →
O'Dea, Earle Law Offices
4.2 · 34 reviews · Disability claims
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Parsons Lucas
3.1 · 18 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 St. John
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
MacGillivray Law
MacGillivray Law specializes in insurance litigation and personal injury cases, assisting clients with car accidents, long-term disability appeals, and benefit terminations. Their team offers no-cost consultations and only charges if cases are resolved, with home visits available for seriously injured clients in Atlantic Canada. Clients appreciate their clear communication and compassionate… more...
MacGillivray Law specializes in insurance litigation and personal injury cases, assisting clients with car accidents, long-term disability appeals, and benefit terminations. Their team offers no-cost consultations and only charges if cases are resolved, with home visits available for seriously injured clients in Atlantic Canada. Clients appreciate their clear communication and compassionate approach throughout the process.
O'Dea, Earle Law Offices
O'Dea, Earle Law Offices specializes in disability claims, helping clients secure long-term benefits from employers, CPP, and insurance companies. The team guides clients through complex legal challenges, often providing a calm and empathetic environment. Some clients note occasional delays in communication, but many appreciate the staff’s kindness and professionalism.
Parsons Lucas
Parsons Lucas focuses on real estate, corporate, and personal injury law, offering a free 30-minute consultation and flexible appointment times. Clients appreciate the helpfulness and knowledge of the team, especially during home closings, though some note communication delays and occasional missed deadlines.
Barapp Injury Law Corp
With over 50 years of combined experience in personal injury law, Barapp Injury Law Corp focuses on helping clients recover compensation after vehicle accidents. Their team handles all aspects of claims, keeping clients informed and supported throughout the process. Reviewers appreciate their professionalism and responsiveness, even during busy periods.
Bussey Horwood Law Group
Kim received her Bachelor of Commerce (Cooperative) from the Memorial University of NL, concentrating on Industrial Relations. Kim then attended law school at the University of New Brunswick, where she received her Bachelor of Laws degree in May 2003. Kim received the William Henry Harrison Memorial Shield & Award from UNB for her achievement in the Moot Court Competition. A skilled Newfoundland… more...
Kim received her Bachelor of Commerce (Cooperative) from the Memorial University of NL, concentrating on Industrial Relations. Kim then attended law school at the University of New Brunswick, where she received her Bachelor of Laws degree in May 2003. Kim received the William Henry Harrison Memorial Shield & Award from UNB for her achievement in the Moot Court Competition. A skilled Newfoundland personal injury lawyer can help you protect your rights. She was an article at St John's, and she was also admitted to the NL Bar. Since then, she has been practicing in St. John's, with a focus on personal injury, civil litigation, criminal, employment, corporate, wills, and estates. Kim appeared before the Provincial Court of NL and Supreme Court of NL Trial Divisions, General and Family, as well as at the Court of Appeal. Kim is an active member of Newfoundland & Labrador's Community. She also belongs to the Law Society of NL as well as the Canadian Bar Association. Kim was elected Chief Adjudicator of the Human Rights Commission Panel of Adjudicators. Kim also served as Chair of the Mental Health Care and Treatment Review Board. She is also an Adjudicator to the Royal Newfoundland Constabulary Public Complaints Commission Panel of Adjudicators. Kim, who is still a member of its Board of Directors, was the Chair of Conservation Corps Newfoundland and Labrador. Additionally, she is a member of the Board of Kittiwake Dance Theatre.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | MacGillivray Law | 4.9 | 88 | $500 | (709) 722-1600 | Visit |
| 2 | O'Dea, Earle Law Offices | 4.2 | 34 | $150 | (709) 726-3524 | Visit |
| 3 | Parsons Lucas | 3.1 | 18 | $150 | (709) 722-5100 | Visit |
| 4 | Barapp Injury Law Corp | 5.0 | 9 | $2,000 | (709) 800-2860 | Visit |
| 5 | Bussey Horwood Law Group | 4.0 | 1 | — | (709) 753-3557 | Visit |
How this St. 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.
Newfoundland and Labrador rules this calculator applies
- Deadline to act
- Often 1 year after the benefit became payable (Accident and Sickness Insurance Act); your policy may allow longer. 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 Newfoundland and Labrador 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's the deadline for LTD claims in Newfoundland and Labrador?
Is my LTD lump sum taxable in St. John?
What if my LTD claim is denied in Newfoundland and Labrador?
What is the difference between 'own occupation' and 'any occupation'?
How accurate is the LTD settlement estimate?
Can I get damages for mental distress in St. John?
General information, not legal advice — consult a licensed Newfoundland and Labrador lawyer.