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Review Keywords Analysis

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

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

1

Van Dyke Law

Van Dyke Law specializes in personal injury and disability claims, serving clients across Southern Ontario with a focus on catastrophic injuries and insurance disputes. The team offers contingency-fee arrangements and can meet clients in-office or at home. Clients appreciate the lawyer’s compassionate, straightforward approach, though some note occasional challenges with office communication.

Services & Prices
Motor Vehicle Accidents $1500 - $5000
Slip and Fall $1000 - $3000
Medical Malpractice $2000 - $10000
Divorce $1000 - $3000
View Profile
(613) 544-1206
Closed Now
1473 John Counter Blvd #104, Kingston, ON K7M 8Z6, Canada
General Services
Personal Injury Law
2

Fallow Estates Law

Fallow Estates Law specializes in Ontario estate planning and administration, helping clients navigate complex wealth transfers and executor appointments. The team guides clients through probate, taxes, and government requirements with clear communication and a patient approach. Customers appreciate their professionalism and thorough explanations throughout the process.

Services & Prices
Will Preparation $150 - $300
Power of Attorney $100 - $200
Trust Establishment $500 - $1500
Executor Assistance $1000 - $3000
View Profile
Closed Now
352 King St E, Kingston, ON K7L 3B6, Canada
General Services
Estate Planning
3

Zuber Brioux Lawyers Kingston

With over 30 years of experience, Zuber Brioux Lawyers Kingston focuses on personal injury and disability claims, ensuring clients receive knowledgeable and timely legal support. Their team handles cases involving damages recovery, family law, and victims of violent crimes. Clients appreciate their professionalism, responsiveness, and compassionate approach throughout the process.

Services & Prices
Settlement Negotiation $1000 - $5000
Legal Representation $10000 - $50000
View Profile
(613) 384-4900
Closed Now
739A Arlington Park Pl, Kingston, ON K7M 8M8, Canada
General Services
Personal Injury Law
4

Kingston Community Legal Clinic

Kingston Community Legal Clinic focuses on providing legal advice and representation to low-income residents in Kingston and nearby townships. The team handles a variety of cases, including tenant disputes, and is often described as knowledgeable and compassionate, though some clients note difficulty reaching staff due to high demand.

Services & Prices
Landlord-Tenant Disputes $300 - $800
Disability Claims $400 - $1000
Mediation Services $200 - $500
Eviction Notices $50 - $100
View Profile
(613) 541-0777
Closed Now
345 Bagot St, Kingston, ON K7K 6T8, Canada
General Services
Representation in Court
5

Yegendorf Rashid | Personal Injury Lawyers Kingston

Yegendorf Rashid specializes in personal injury and disability claims, offering free initial consultations where lawyers can meet clients anywhere in Kingston or Cataraqui. The team handles case reviews, medical record gathering, and insurance negotiations, with clients often noting their responsiveness and thorough support throughout the process.

Services & Prices
Medical Malpractice Representation $5000 - $15000
Motor Vehicle Accident Claims $3000 - $10000
Workplace Injury Claims $4000 - $12000
Insurance Settlement Negotiation $500 - $3000
View Profile
(647) 360-0267
Closed Now
211 Queen St, Kingston, ON K7K 1B4, Canada
General Services
Personal Injury Law
Where they are 7 on the map Click a pin for the profile and directions
6

RavenLaw LLP - Kingston

RavenLaw is located in downtown Kingston's Woolen Mill. It represents workers in Northeastern Ontario in matters relating to employment, labour rights and disability benefits. Our goal is to provide timely and practical advice as well as representation for our clients in the areas of labour and employment. These are the areas we provide Kingston representation. Our Kingston office can assist with… more...

RavenLaw is located in downtown Kingston's Woolen Mill. It represents workers in Northeastern Ontario in matters relating to employment, labour rights and disability benefits. Our goal is to provide timely and practical advice as well as representation for our clients in the areas of labour and employment. These are the areas we provide Kingston representation. Our Kingston office can assist with labour, employment or disability law. Our Kingston office is equipped with local experts who can help you, whether you've been fired, are having a dispute at work, with your employer, or have been denied benefits. Now, we are open in Kingston (Ontario). RavenLaw's Kingston branch allows us to serve existing and future employment and labour clients. RavenLaw Kingston now has access to an exclusive employee-side law firm with extensive experience in labour, employment and long-term disabilities.

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(613) 531-8171
Closed Now
4 Cataraqui St Suite 217, Kingston, ON K7K 1Z7, Canada
7

Soloway Wright LLP

Soloway Wright, a Kingston law office, offers high-quality litigation and unparalleled expertise for individuals, corporations, and small to medium businesses. Your legal issues may cross over into other areas. We are aware of this. Our teams work together to provide the best advice and support. We also keep our costs down by being practical and dedicated to providing cost-effective service. We… more...

Soloway Wright, a Kingston law office, offers high-quality litigation and unparalleled expertise for individuals, corporations, and small to medium businesses. Your legal issues may cross over into other areas. We are aware of this. Our teams work together to provide the best advice and support. We also keep our costs down by being practical and dedicated to providing cost-effective service. We provide compassionate, determined, and professional legal assistance for injury, disability lawyers, and accident benefit claims. We handle all your litigation regarding accidental or wrongful death, pedestrian injuries, vehicle accidents, and car accidents. Consumer product liability and claims for sexual assault, assault, and other types of harm are all common in senior and children cases.

View Profile
(613) 544-7334
Closed Now
366 King St E Suite 510, Kingston, ON K7K 6Y3, Canada
Kingston Disability Lawyers stats: 7 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Van Dyke Law 3.9 42 $200 (613) 544-1206 Visit
2 Fallow Estates Law 5.0 21 $100 — Visit
3 Zuber Brioux Lawyers Kingston 4.9 17 $1,000 (613) 384-4900 Visit
4 Kingston Community Legal Clinic 4.1 16 $50 (613) 541-0777 Visit
5 Yegendorf Rashid | Personal Injury Lawyers Kingston 5.0 7 $500 (647) 360-0267 Visit
6 RavenLaw LLP - Kingston 5.0 3 — (613) 531-8171 Visit
7 Soloway Wright LLP 5.0 2 — (613) 544-7334 Visit

How this Kingston 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.

Frequently asked questions

8 questions
How does the long-term disability settlement calculator work?
It estimates back pay owed, future benefits to age 65, their present value, and a typical lump-sum settlement range based on your claim details.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your LTD claim, typically 30-75% of the present value of future benefits, plus any back pay.
Why are LTD settlements below full value?
Settlements often reflect the uncertainty and time value of money, typically ranging from 30-75% of future benefits' present value.
What is the deadline for an LTD claim in Ontario?
Generally, you have 2 years from when benefits stopped or were first payable to file a claim in Ontario.
Is a lump-sum LTD settlement taxable in Ontario?
If your employer paid premiums, monthly benefits are taxable. In a denied claim settlement, back pay is usually taxable, future portions often are not.
What's the difference between own-occupation and any-occupation tests?
Most LTD policies switch from covering your own occupation to any occupation after 24 months of benefits.
Can I use the LTD settlement calculator for Kingston claims?
Yes, the calculator is designed for Kingston and Ontario claims, considering local laws and typical settlement ranges.
What if my long-term disability claim is denied in Ontario?
You may seek a settlement, often 30-60% of future benefits' value, plus back pay. Legal advice is recommended.

General information, not legal advice — consult a licensed Ontario lawyer.