Long-Term Disability Settlement Calculator Brampton, 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
The 2026 average is about $1,236 a month.
Enter your monthly benefit, or your salary.
Count from when benefits stopped (or should have started) until today.
Enter your age (18–64).
North Peel & Dufferin Community Legal Services
4.3 · 22 reviews · Disability claims
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Bhinder law office
4.5 · 17 reviews · Disability claims
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S S Loomba Law Professional Corporation
5.0 · 9 reviews · Disability claims
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General estimate only, not legal or tax advice. No lawyer–client relationship is created.
Top-rated disability lawyers in Brampton
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
North Peel & Dufferin Community Legal Services
North Peel & Dufferin Community Legal Services focuses on providing legal help to low-income residents in Brampton, Caledon, and Dufferin County. Their team handles issues like ODSP appeals and immigration applications, with clients often appreciating the clear guidance and respectful support they receive. Some note that family law services are not available.
Bhinder law office
Bhinder Law Office offers experienced legal support with a focus on real estate and disability cases, providing personalized attention to client needs. The team is known for being knowledgeable and professional, though some clients have noted occasional delays in communication. Overall, customers appreciate the thoroughness and practical advice offered.
S S Loomba Law Professional Corporation
S S Loomba Law Professional Corporation specializes in Small Claims Court representation, helping clients navigate claims up to $35,000. The team also assists with land transfers and real estate closings, with clients appreciating their professionalism, clear communication, and thorough handling of paperwork. Some find the process detailed but well managed.
Sharma LLP
Sharma LLP focuses on notary services, serving clients in the Greater Toronto and Waterloo regions with over 20 years of combined experience. The team is known for professionalism, promptness, and accommodating appointments, though a few reviews mention concerns about service reliability. Most clients appreciate the respectful and efficient approach.
Lawrences Lawyers
Lawrences Lawyers offers legal support for business structuring at various stages, including startup and succession planning. Their team also handles real estate transactions and wills, with clients appreciating their knowledgeable, friendly, and timely service. Some note that pricing can be higher than expected for simpler matters.
CIC (Canadian Immigration & Citizenship) Lawyers LLP
CIC Lawyers LLP made it to the top ten list due to its specialized immigration law services and diverse clientele globally. This Brampton Ontario-based firm is skilled in numerous languages and strives to assist clients with upgrading their quality of life. There have been concerns regarding customer service, but many reviews praise their staff’s exceptional quality and accessibility. The firm’s… more...
CIC Lawyers LLP made it to the top ten list due to its specialized immigration law services and diverse clientele globally. This Brampton Ontario-based firm is skilled in numerous languages and strives to assist clients with upgrading their quality of life. There have been concerns regarding customer service, but many reviews praise their staff’s exceptional quality and accessibility. The firm’s commitment to clients’ immigration goals makes it a trusted option.
AD Lawyers
The law is complex and often unclear; Ajay Duggal and AD Lawyers are here to ensure you receive not just a defense but the best possible defence. The court is our boxing ring and we fight alongside you. You will walk away completely satisfied that we have fought for you.
KSK Law
KSK Law is one of the top ten real estate firms in Toronto. Most of the clients described Mr. Kohli and the team as professional, responsive, and client-focused, specifically for first-time homebuyers. Detailed mention is made about Mr. Kohli’s expertise in making complex processes simple and stress-free. The clients also highlighted how effectively the firm handled all communication and didn’t… more...
KSK Law is one of the top ten real estate firms in Toronto. Most of the clients described Mr. Kohli and the team as professional, responsive, and client-focused, specifically for first-time homebuyers. Detailed mention is made about Mr. Kohli’s expertise in making complex processes simple and stress-free. The clients also highlighted how effectively the firm handled all communication and didn’t mind sharing more information if necessary. KSK Law is identified for its honesty and respect for the client, which is very important in real estate transactions. Moreover, many clients mentioned that the lawyers focused on the clients and gave them all the attention they required.
Manjit Singh Virk Lawyer O/a M.S. Virk Law Office & Associates
M.S. Virk Law Office & Associates focuses on a broad range of legal matters, including family law, real estate, and immigration appeals. Clients appreciate the team’s clear communication, professionalism, and thorough explanations throughout the process. The office is noted for being responsive and supportive, helping clients navigate complex legal issues with care.
Lofranco Scarola Blasi Legal Services
Lofranco Scarola Blasi Legal Services focuses on supporting clients through accident and disability claims with clear, upfront fee explanations. The team handles settlements and insurance disputes, offering practical advice that helps clients understand their rights. Reviews highlight their professionalism and empathetic approach, though in-person meetings are limited due to health precautions.
Latest reviews of Brampton Disability Lawyers
Written on TrustAnalytica by clients of the businesses in this list-
Thank you so much for your professional advice and help. I highly recommend SS Loomba Law Firm.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | North Peel & Dufferin Community Legal Services | 4.3 | 22 | $300 | (905) 455-0160 | Visit |
| 2 | Bhinder law office | 4.5 | 17 | $400 | (905) 453-0606 | Visit |
| 3 | S S Loomba Law Professional Corporation | 5.0 | 9 | $150 | (647) 917-1707 | Visit |
| 4 | Sharma LLP | 4.2 | 10 | $10 | (416) 938-2645 | Visit |
| 5 | Lawrences Lawyers | 4.4 | 8 | $100 | (905) 451-3040 | Visit |
| 6 | CIC (Canadian Immigration & Citizenship) Lawyers LLP | 4.4 | 8 | — | (905) 799-0025 | Visit |
| 7 | AD Lawyers | 3.7 | 3 | — | (905) 451-0099 | Visit |
| 8 | KSK Law | 5.0 | 40 | $200 | — | Visit |
| 9 | Manjit Singh Virk Lawyer O/a M.S. Virk Law Office & Associates | 4.9 | 17 | $150 | (905) 595-0656 | Visit |
| 10 | Lofranco Scarola Blasi Legal Services | 4.9 | 15 | $500 | (905) 275-8806 | Visit |
How this Brampton 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.