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

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

1

Ontario Disability Support Program

The Ontario Disability Support Program provides financial and medical assistance tailored to individuals with disabilities, helping with income support and related expenses. The team is often described as polite and compassionate, though some note long wait times for application processing. They also offer guidance on eligibility and available benefits.

Services & Prices
Disability Application Assistance $0 - $50
Social Assistance Guidance $0 - $50
Mental Health Support $0 - $50
Housing Assistance $0 - $100
View Profile
(519) 438-5111
Closed Now
217 York St, London, ON N6A 5P9, Canada
General Services
Disability Support Services
2

Ferguson DiMeo Law

Ferguson DiMeo Law focuses on providing cost-effective legal solutions across a variety of issues, including disability cases. Clients appreciate the team’s professionalism, clear communication, and determination to pursue justice, though some have noted difficulty reaching the office during busy periods. The firm’s downtown location offers accessible facilities, including an elevator.

Services & Prices
Residential Closing $300 - $500
Commercial Closing $400 - $600
Title Examination $200 - $350
Personal Injury Cases $750 - $2000
View Profile
(519) 633-8838
Closed Now
750 Talbot St, St Thomas, ON N5P 1E2, Canada
General Services
Real Estate Law
3

Michael Robertson Law Firm

Michael Robertson Law Firm focuses on providing personal attention and clear communication throughout disability and related legal cases. The small team offers tailored representation with affordable rates, keeping clients informed at every step. While many clients appreciate the firm’s responsiveness and expertise, a few have noted concerns about communication and case handling.

Services & Prices
Car Accident Representation $5000 - $15000
Slip and Fall Cases $3000 - $12000
Medical Malpractice $10000 - $25000
Contract Review $150 - $500
View Profile
(226) 289-2119
Closed Now
186 Albert St, London, ON N6A 1M1, Canada
General Services
Personal Injury Law
4

Camarra Law

Laura Camarra founded Camarra Law in September 2016. Her goal was to provide practical and straightforward solutions for clients in a cost-effective way. Custody and Access Child Sustain Spousal Support

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(226) 884-9048
Closed Now
255 Queens Ave Suite 205, London, ON N6A 5R8, Canada
5

Yormak & Associates

With over 30 years of experience advocating exclusively for workers, Yormak & Associates handles complex disability and WSIB cases using original strategies. The team provides clear explanations and supportive guidance throughout the process, though some clients caution about fee arrangements related to future benefits.

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(519) 850-2255
Closed Now
495 Richmond St Suite 420, London, ON N6A 5A9, Canada
Where they are 9 on the map Click a pin for the profile and directions
6

Morrison Watts Labour & Employment Lawyers

Labour and Employment Lawyers are able to represent unionized and non-unionized employees in all workplace matters. These include wrongful terminations and human rights claims. Morrison Watts, founded in 2015, represents both unionized and ununionized workers. Morrison Watts was founded in 2015. Our commitment to the workers of Ontario is such that we travel often to arbitral hearings, federal… more...

Labour and Employment Lawyers are able to represent unionized and non-unionized employees in all workplace matters. These include wrongful terminations and human rights claims. Morrison Watts, founded in 2015, represents both unionized and ununionized workers. Morrison Watts was founded in 2015. Our commitment to the workers of Ontario is such that we travel often to arbitral hearings, federal and provincial labor boards and courts to represent them. We support employees in all fields of employment. Our team is up to the task of tackling difficult issues. We optimize our service by demonstrating best practices and efficiency. Our expertise in negotiation and mediation allows us to assist you with workplace conflict resolution. We have the experience to take your case in front of administrative and court tribunals and get the best possible results for you and your client. Morrison Watts lawyers provide advice to employees terminated due to reorganization or misconduct. We have a strong negotiation skill with employers, allowing us to effectively represent employees on all workplace issues. Our firm is prepared to vigorously pursue wrongful dismissal cases before the court in order to obtain fair compensation for terminated employees.

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Closed Now
4492 Colonel Talbot Rd, London, ON N6P 1B6, Canada
7

Kasi Law Firm

We are able to provide a service that is based on a deep understanding of the legal requirements of clients in relation to their business goals. Through innovative strategies and value-laden advice, we protect and minimize risk for your company. Our clients are our top priority and we take pride in being team players. Our services are available to individuals and businesses in South West Ontario.… more...

We are able to provide a service that is based on a deep understanding of the legal requirements of clients in relation to their business goals. Through innovative strategies and value-laden advice, we protect and minimize risk for your company. Our clients are our top priority and we take pride in being team players. Our services are available to individuals and businesses in South West Ontario. Our team provides outstanding assistance and manages defense in a variety of fields. Our service is built on a deep-seated understanding of our client's legal requirements in the context of their business objectives. We protect your business and mitigate risk through value-laden advice and innovative strategies.

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(519) 266-3093
Closed Now
380 Wellington St Suite 245, London, ON N6A 5B5, Canada
8

Nicholson Smith & Partners LLP

Our years of expertise will be of great benefit to you. To find out if our civil litigation services can assist you, there is no cost. Nicholson Smith & Partners was founded in 1988 by Ross Nicholson, who saw a law firm that provided exclusively civil litigation services for London and Southern Ontario. The lawyers of Nicholson Smith & Partners pride themselves on providing aggressive… more...

Our years of expertise will be of great benefit to you. To find out if our civil litigation services can assist you, there is no cost. Nicholson Smith & Partners was founded in 1988 by Ross Nicholson, who saw a law firm that provided exclusively civil litigation services for London and Southern Ontario. The lawyers of Nicholson Smith & Partners pride themselves on providing aggressive, professional and practical representation on a variety of litigation issues such as motor vehicle accidents or other personal injury claims and wrongful death cases, professional negligence, product liability, insurance claims, commercial litigation, employment law and disability claims. Individuals injured in car accidents, harmed by negligence or other traumatic events often face many difficulties. They typically face the reality of ongoing pain and loss resulting from an injury, as well as the financial hardship which often accompanies such an unforeseen event. To compound their difficulties, these individuals are often required to navigate through a complex and sometimes confusing maze of legal and insurance related issues. At Nicholson Smith & Partners, we are committed to providing effective, caring and compassionate legal representation to help our clients through these difficult times.

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(519) 679-3366
Closed Now
295 Central Ave, London, ON N6B 2C9, Canada
9

Advocates LLP

Advocates lawyers provide clients with a unique mix of experience and skills, which includes senior litigation attorneys who are capable of implementing the technology required to succeed in modern litigation. Advocates eliminate the need for legal staff to "touch your file" and all the associated costs. Advocates can provide cost-effective, creative legal solutions. Advocates cannot be… more...

Advocates lawyers provide clients with a unique mix of experience and skills, which includes senior litigation attorneys who are capable of implementing the technology required to succeed in modern litigation. Advocates eliminate the need for legal staff to "touch your file" and all the associated costs. Advocates can provide cost-effective, creative legal solutions. Advocates cannot be everything to everyone. From its beginning, the firm has chosen to limit its practice to dispute resolution and litigation. Advocates' lawyers specialize in complex areas such as construction, business, and corporate litigation. An alternate dispute resolution is an option that can be cost-effective. Lawyers who are advocates can also help their clients and other lawyers resolve disputes through their expertise and serve as mediators or arbitrators.

View Profile
(519) 858-8220
Closed Now
700 Richmond St Suite 400, London, ON N6A 5C7, Canada
London Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Ontario Disability Support Program 4.1 97 $10 (519) 438-5111 Visit
2 Ferguson DiMeo Law 4.5 32 $200 (519) 633-8838 Visit
3 Michael Robertson Law Firm 3.7 9 $150 (226) 289-2119 Visit
4 Camarra Law 5.0 4 — (226) 884-9048 Visit
5 Yormak & Associates 2.3 6 — (519) 850-2255 Visit
6 Morrison Watts Labour & Employment Lawyers 3.7 3 — — Visit
7 Kasi Law Firm 5.0 2 — (519) 266-3093 Visit
8 Nicholson Smith & Partners LLP 4.5 2 — (519) 679-3366 Visit
9 Advocates LLP 4.0 1 — (519) 858-8220 Visit

How this London 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.