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Review Keywords Analysis

  1. Canada
  2. Best Disability Lawyers
  3. Disability Lawyers in Ontario
  4. Barrie
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Barrie, ON

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 Barrie

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

1

Stewart Esten Law Firm Barrie

With roots dating back to 1871, Stewart Esten Law Firm offers a broad range of legal services including family, real estate, and commercial law. Clients appreciate the clear communication and professionalism of the team, though some note occasional delays in returning calls or emails. The firm remains involved in the local community while serving both individuals and businesses.

Services & Prices
Home Purchase Assistance $500 - $1500
Home Sale Assistance $500 - $1500
Mortgage Refinancing $300 - $800
Will Creation $200 - $500
View Profile
(705) 728-5591
Closed Now
100 Collier St, Barrie, ON L4M 4V3, Canada
General Services
Real Estate Services
2

Kahler Law Firm

Kahler Law Firm focuses exclusively on representing injured plaintiffs, helping clients recover damages after life-altering accidents. Their team manages all aspects of injury claims and connects clients with medical and rehabilitation experts. Clients appreciate their compassionate support and clear communication throughout the often stressful legal process.

Services & Prices
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Uninsured Motorist Claims No Win, No Fee
Settlement Negotiation No Win, No Fee
View Profile
(705) 739-7790
Closed Now
560 Bryne Dr, Barrie, ON L4N 9P6, Canada
General Services
Car Accident Representation
3

Makaronets Personal Injury Lawyer

With over 30 years of experience, Makaronets Personal Injury Lawyer focuses on helping clients secure compensation after accidents, defending both financial and medical rights. The team is accessible and responsive, guiding clients through complex cases and insurance challenges, though some clients note they may need to handle certain follow-ups independently.

Services & Prices
Motorcycle Crash Claims No Win, No Fee
Rider Injury Claims No Win, No Fee
Road Hazard Cases No Win, No Fee
Medical Malpractice No Win, No Fee
View Profile
(705) 881-1512
Open 6:00 AM - 11:00 PM
50 Dunlop St E, Barrie, ON L4M 6J9, Canada
General Services
Motorcycle Accident Representation
4

Lemieux Litigation - Barrie Family, Injury and Employment Lawyers

Certified as Civil Litigation specialists, Lemieux Litigation offers focused support in disability claims, family law, personal injury, and employment matters. Their team handles cases from start to finish with clear communication and personalized planning. Clients appreciate their respectful approach and availability, though some note the process can be lengthy.

Services & Prices
Severance Package Review $100 - $200
Discrimination and Harassment Cases $200 - $300
Divorce Proceedings $1000 - $2500
Child Custody and Access $1000 - $2000
View Profile
(705) 999-4998
Closed Now
190 Cundles Rd E Suite 204, Barrie, ON L4M 4S5, Canada
General Services
Employment Law
5

Rastin Gluckstein Lawyers

Rastin Gluckstein Lawyers specialize in personal injury and civil litigation, offering nearly 30 years of experience in helping clients affected by serious accidents. Their team provides clear explanations of legal rights and options, with a focus on compassionate client care. Some clients note occasional challenges with opposing parties during claims.

Services & Prices
Representation in Personal Injury Cases $1000 - $5000
Settlement Negotiations $500 - $2000
Employment Contract Review $250 - $500
Wrongful Dismissal Claims $2000 - $10000
View Profile
(705) 722-6393
Closed Now
128 Wellington St W #210, Barrie, ON L4N 8J6, Canada
General Services
Personal Injury Law
Where they are 9 on the map Click a pin for the profile and directions
6

Littlejohn Barristers Professional Corporation

Littlejohn Barristers Professional Corporation focuses on serious personal injury cases, including long-term disability and insurance claims. Their team provides detailed guidance through complex legal processes, often supporting clients with cognitive impairments and difficult insurance disputes. Clients appreciate their compassionate, hands-on approach, though cases can take considerable time… more...

Littlejohn Barristers Professional Corporation focuses on serious personal injury cases, including long-term disability and insurance claims. Their team provides detailed guidance through complex legal processes, often supporting clients with cognitive impairments and difficult insurance disputes. Clients appreciate their compassionate, hands-on approach, though cases can take considerable time to resolve.

Services & Prices
Motor Vehicle Accident Claims $5000 - $15000
Workplace Injury Claims $3000 - $12000
Slip and Fall Claims $2000 - $10000
Short Term Disability Claims $1500 - $7000
View Profile
(705) 725-7355
Closed Now
126 Wellington St W Suite 301, Barrie, ON L4N 1K9, Canada
General Services
Personal Injury Law
7

Epstein & Associates

Epstein & Associates offers clear, thorough legal advice with a focus on helping clients understand their rights and options. Their team handles a range of matters, including family law, real estate, and estate planning, often noted for responsiveness and detailed explanations. Some clients mention the process can be lengthy but appreciate the support throughout.

Services & Prices
Divorce Proceedings $2000 - $3000
Child Custody Agreement $1500 - $2500
Support Issues $1000 - $2000
Real Estate Transaction $1500 - $2500
View Profile
(705) 720-2210
Closed Now
190 Cundles Rd E, Barrie, ON L4M 4S5, Canada
General Services
Family Law
8

Diamond and Diamond Lawyers LLP | Barrie

Diamond & Diamond Lawyers LLP in Barrie focuses on personal injury cases, including car accidents, falls, brain injuries, and long-term disability claims. The team also handles employment and corporate law matters. Clients appreciate the friendly and knowledgeable staff, though some have noted delays in communication.

Services & Prices
Accident Claims $1500 - $3000
Medical Malpractice $2000 - $4000
Slip and Fall Cases $1000 - $2500
View Profile
(800) 567-4878
Closed Now
168 Bayfield St, Barrie, ON L4M 3B5, Canada
General Services
Personal Injury Law
9

Preszler Injury Lawyers

With over 60 years of experience, Preszler Injury Lawyers focus on personal injury cases like slip and falls and motor vehicle accidents. The team is known for clear communication and making home visits when needed, though some clients have noted occasional missed appointments. Many appreciate their timely responses and thorough explanations.

Services & Prices
Tort Claims $1000 - $5000
Accident Benefits $500 - $3000
View Profile
(888) 291-3168
Open 00:00 - 23:59
92 Caplan Ave #121, Barrie, ON L4N 0Z7, Canada
General Services
Personal Injury Law

Latest reviews of Barrie Disability Lawyers

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

    Integrity. Compassion. Expertise. These are not just words; they are the guiding principles that define the exceptional team at Kahler Law Firm. I am writing this testimonial with immense gratitude for the unwavering support and dedication I received during one of the most challenging periods of my…

Barrie Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Stewart Esten Law Firm Barrie 4.3 50 $150 (705) 728-5591 Visit
2 Kahler Law Firm 4.6 41 No Win, No Fee (705) 739-7790 Visit
3 Makaronets Personal Injury Lawyer 4.9 35 No Win, No Fee (705) 881-1512 Visit
4 Lemieux Litigation - Barrie Family, Injury and Employment Lawyers 5.0 34 $100 (705) 999-4998 Visit
5 Rastin Gluckstein Lawyers 4.6 35 $250 (705) 722-6393 Visit
6 Littlejohn Barristers Professional Corporation 4.8 25 $80 (705) 725-7355 Visit
7 Epstein & Associates 4.6 25 $100 (705) 720-2210 Visit
8 Diamond and Diamond Lawyers LLP | Barrie 3.4 13 $1,000 (800) 567-4878 Visit
9 Preszler Injury Lawyers 5.0 8 $500 (888) 291-3168 Visit

How this Barrie 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.

Ontario rules this calculator applies

Deadline to act
Generally 2 years from discovery (Limitations Act, 2002), often counted from when benefits stopped or were first payable (Clarke v. Sun Life, 2020 ONCA 11). An internal appeal may not pause the clock.
Discount rate
Future benefits are discounted at 1.2% for the first 15 years and 2.5% after (Ontario Rule 53.09, 2026).
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 Ontario 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.