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).
Derek Wilson Personal Injury LawyerVerified
5.0 · 58 reviews · Disability claims
Free claim review →
APC Personal Injury Lawyer
4.9 · 63 reviews · Disability claims
Free claim review →
Virk Personal Injury Lawyers
4.7 · 48 reviews · Disability claims
Free claim review →
General estimate only, not legal or tax advice. No lawyer–client relationship is created.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
With over 25 years of experience in personal injury and insurance litigation, Derek Wilson Personal Injury Lawyer focuses on cases involving car crashes, commercial truck accidents, and disability claims. Clients appreciate clear communication and hands-on support throughout the process, though some note the complexity of these cases can require patience.
APC Personal Injury Lawyer focuses on helping clients recover compensation after motor vehicle accidents, slip-and-fall incidents, and dog attacks. The team handles claims involving injury benefits, rehabilitation, and lost income, guiding clients through complex processes with clear communication. Some clients have noted challenges confirming the firm’s physical office location.
Focused exclusively on personal injury cases, Virk Personal Injury Lawyers offers legal guidance and representation for injuries ranging from car accidents to dog bites. Clients appreciate the team’s clear communication and supportive approach throughout often lengthy cases, though some note the process can take time due to case complexity.
Mackesy Smye focuses on representing individuals rather than insurance companies, handling cases involving disability claims, personal injury, and boating accidents common in the Greater Hamilton area. The team also supports business clients with corporate and commercial legal needs. Clients appreciate their friendly approach and clear, straightforward guidance throughout challenging situations.
Wynperle Law focuses on medical malpractice and personal injury cases, offering thorough reviews to determine if healthcare providers met their duty of care. The team also handles boating and trucking accident claims, guiding clients through complex legal processes with clear communication. Clients appreciate their supportive approach and consistent updates throughout the case.
Licensed paralegals at Zare Paralegal Services focus on WSIB and disability claims, advocating for injured workers and those facing appeals. The team is often described as caring and professional, helping reduce client stress during complex processes, though some clients have noted occasional concerns about communication and case handling.
Specializing in disability and personal injury claims, Himelfarb Proszanski focuses on building strong cases from the start to secure fair settlements. The team handles everything with patience and clear communication, often providing steady support through lengthy processes. Some clients note that claim negotiations can be slow due to external adjusters.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Derek Wilson Personal Injury Lawyer | 5.0 | 58 | $3,000 | — | Visit |
| 2 | APC Personal Injury Lawyer | 4.9 | 63 | No Win, No Fee | (800) 931-7036 | Visit |
| 3 | Virk Personal Injury Lawyers | 4.7 | 48 | No Win, No Fee | (905) 521-8888 | Visit |
| 4 | Mackesy Smye | 4.4 | 42 | No Win, No Fee | (905) 525-2341 | Visit |
| 5 | Wynperle Law | 4.7 | 30 | No Win, No Fee | (905) 777-0300 | Visit |
| 6 | Zare Paralegal Services | 4.5 | 23 | $200 | (905) 544-9273 | Visit |
| 7 | Himelfarb Proszanski | 5.0 | 7 | $100 | (289) 277-0042 | Visit |
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.
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.
General information, not legal advice — consult a licensed Ontario lawyer.