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Review Keywords Analysis

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

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

1

Hennick Law

Hennick Law works on a contingency fee basis, so clients pay only if compensation is recovered. The firm focuses on personal injury cases, handling everything from claim assessment to dealing with insurers, allowing clients to focus on recovery. Reviewers appreciate the team’s clear communication and caring approach, though some cases may take longer due to legal delays.

Services & Prices
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Uninsured Motorist Claims No Win, No Fee
Motorcycle Accident Claims No Win, No Fee
View Profile
Closed Now
50 Acadia Ave SUITE 206, Markham, ON L3R 0B3, Canada
General Services
Car Accident Representation
2

MA Personal Injury Lawyer

Focused exclusively on personal injury law, this team handles cases involving motor vehicle accidents, slip-and-falls, and serious injuries like traumatic brain and spinal cord damage. Clients appreciate their clear communication, supportive approach, and willingness to visit homes or hospitals to provide guidance throughout the legal process.

Services & Prices
Motor Vehicle Accidents No Win, No Fee
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Slip and Fall Accidents No Win, No Fee
View Profile
(289) 301-4844
Open 6:00 AM - 11:00 PM
3000 Hwy 7 #203B, Markham, ON L3R 6E1, Canada
General Services
Car Accident Representation
3

MK Disability Lawyers

MK Disability Lawyers specializes in disability insurance claims, including long-term and CPP disability, with over 50 years of combined experience. Their team focuses on personalized, compassionate support for clients facing physical or psychological challenges, guiding them through complex cases with clear communication. Some clients note the process can be slow due to insurance delays, but… more...

MK Disability Lawyers specializes in disability insurance claims, including long-term and CPP disability, with over 50 years of combined experience. Their team focuses on personalized, compassionate support for clients facing physical or psychological challenges, guiding them through complex cases with clear communication. Some clients note the process can be slow due to insurance delays, but appreciate the team's responsiveness and care.

Services & Prices
Claim Preparation Free Consultation
Appeals Navigation No Fees Unless We Win
Consultation for LTD Application No Win, No Fee
Initial Claims Assistance No Fees Unless We Win
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(416) 900-0368
Closed Now
2-3042 Bur Oak Ave, Markham, ON L6B 0R1, Canada
General Services
Long Term Disability Claims
4

Affinity Law

Affinity Law focuses on personal injury cases, helping clients navigate claims, mediation, and court proceedings with clear communication throughout. Their team handles wrongful death and injury claims, often providing timely updates and a supportive approach that clients appreciate, though some cases may require extended timelines due to their complexity.

Services & Prices
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Uninsured Motorist Claims No Win, No Fee
Slip and Fall Cases No Win, No Fee
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(905) 738-2463
Closed Now
60 Columbia Way Suite 207, Markham, ON L3R 0C9, Canada
General Services
Car Accident Representation
5

Reyes Tam Law

Reyes Tam Law offers free consultations and personalized attention from experienced personal injury attorneys who focus on car accident claims. The team helps clients understand complex legal processes and works to secure fair settlements, with many clients appreciating their clear communication and compassionate approach throughout often difficult cases.

Services & Prices
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Uninsured Motorist Claims No Win, No Fee
Slip and Fall Cases No Win, No Fee
View Profile
(647) 782-9008
Closed Now
East Tower, 675 Cochrane Dr 6th Floor, Markham, ON L3R 0B8, Canada
General Services
Car Accident Representation
Where they are 7 on the map Click a pin for the profile and directions
6

JurisLexPro Professional Corporation

JurisLexPro Professional Corporation offers legal representation on a contingency basis, focusing on personal injury and car accident claims. The team provides tailored advocacy and guidance through complex cases involving pain, suffering, and medical expenses. While some clients appreciate the attentive support, others have noted issues with communication and case management over time.

Services & Prices
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Uninsured Motorist Claims No Win, No Fee
Wrongful Death Lawsuits No Win, No Fee
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(888) 623-8568
Closed Now
345 Renfrew Dr Unit 102, Markham, ON L3R 9S9, Canada
General Services
Car Accident Representation
7

AAPC - Personal Injury Lawyers Markham

Since opening our doors in 2005, Anushika Anthony Professional Corporation (“AAPC”) has earned a reputation for delivering results to our clients. We have evolved immensely through the years and we are dedicated to helping victims of serious accidents navigate the Canadian legal system. Anushika Anthony Professional Corporation ("AAPC") was established in 2005 and has been a trusted name for… more...

Since opening our doors in 2005, Anushika Anthony Professional Corporation (“AAPC”) has earned a reputation for delivering results to our clients. We have evolved immensely through the years and we are dedicated to helping victims of serious accidents navigate the Canadian legal system. Anushika Anthony Professional Corporation ("AAPC") was established in 2005 and has been a trusted name for delivering outstanding results for our clients. Through the years, we have grown tremendously and are committed to helping victims in serious accidents navigate Canada's legal system. AAPC lawyers know how difficult an accident can make for loved ones and you. Our legal team can help you deal with your insurance company and other administrative issues so that you can concentrate on your recovery. Our law firm is a contingent-based one, which means that you won't have to pay unless we win your case. Contact AAPC today if you have been hurt or a loved one. We'll travel to you if you are unable to visit our personal injury attorneys in person.

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(905) 604-7771
Closed Now
7800 Woodbine Ave #111, Markham, ON L3R 2N7, Canada

Latest reviews of Markham Disability Lawyers

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

    I can't thank Hennick Law enough for their amazing help! I would have been completely lost without their advice. They were quick to answer any questions I had and were very reassuring each time. If you need a law firm that feels like it truly cares, go with Hennick Law!

  • Rohini

    Dana was an amazing person to deal with and helpful on all levels. Dana and her team provided great services for me. She kept me up to date with my case. Dana Reyes is extremely knowledgeable in her practice area. The job she did was amazing and I would highly recommend Dana to any friends or family…

Markham Disability Lawyers stats: 7 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Hennick Law 4.9 81 No Win, No Fee — Visit
2 MA Personal Injury Lawyer 4.9 46 No Win, No Fee (289) 301-4844 Visit
3 MK Disability Lawyers 5.0 45 Free Consultation (416) 900-0368 Visit
4 Affinity Law 4.9 32 No Win, No Fee (905) 738-2463 Visit
5 Reyes Tam Law 5.0 20 No Win, No Fee (647) 782-9008 Visit
6 JurisLexPro Professional Corporation 4.0 20 No Win, No Fee (888) 623-8568 Visit
7 AAPC - Personal Injury Lawyers Markham 1.0 1 — (905) 604-7771 Visit

How this Markham 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

9 questions
How does the long-term disability settlement calculator work?
The calculator estimates back pay owed, future benefits to age 65, their present value, and a typical lump-sum settlement range based on your claim status, policy type, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum settlement offer to close your LTD claim. It typically ranges from 30-75% of the present value of future benefits, depending on claim status.
Why are LTD settlements below full value?
Settlements are often below full value due to negotiation, risk of losing at trial, and the present value discount rate applied to future benefits.
What's the deadline to sue if my LTD claim is denied in Ontario?
You generally have 2 years from when benefits stopped or were first payable to sue, even if you appeal internally. This is under the Limitations Act, 2002.
Is a lump sum for a denied LTD claim taxable in Ontario?
If your employer paid premiums, the back-pay portion is usually taxable, but the future portion often is not. Consult a tax advisor.
What is the difference between own-occupation and any-occupation tests?
Most LTD policies switch from an 'own occupation' to an 'any occupation' test after 24 months, affecting eligibility for benefits.
How accurate is the LTD settlement calculator for Markham?
The calculator provides estimates based on typical policy terms and legal standards in Ontario, but actual settlements can vary. Consult a professional for personalized advice.
What should I do if my LTD claim is cut off in Markham?
Consider seeking legal advice. You may have grounds to negotiate a settlement or challenge the cutoff within the legal time limits.
How is back pay calculated for LTD claims in Ontario?
Back pay is calculated from the date benefits stopped to the present, based on your policy terms and any applicable offsets like CPP Disability.

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