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

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

1

ABLF Personal Injury Lawyer

ABLF Personal Injury Lawyer focuses on personal injury cases including car accidents, dog bites, and long-term disability claims. The team is known for clear communication and responsiveness, often guiding clients through complex insurance processes. Some clients have noted concerns about the firm's physical office presence, but many appreciate the caring and professional support throughout their… more...

ABLF Personal Injury Lawyer focuses on personal injury cases including car accidents, dog bites, and long-term disability claims. The team is known for clear communication and responsiveness, often guiding clients through complex insurance processes. Some clients have noted concerns about the firm's physical office presence, but many appreciate the caring and professional support throughout their cases.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Workplace Injury Claims No Win, No Fee
View Profile
(800) 920-8165
Open 6:00 AM - 11:00 PM
1621 McEwen Dr Unit 103, Whitby, ON L1N 9A5, Canada
General Services
Dog Bite Injury Claims
2

Arvin Ross Law Office

Arvin Ross Law Office specializes in impaired driving and refuses breath sample cases, with over a decade of experience handling DUI charges and trials. The team offers criminal defense services focused on protecting clients’ reputations, licenses, and immigration status. Clients appreciate the clear communication and supportive approach, though some cases can be complex and lengthy.

Services & Prices
DUI Defense $2000 - $5000
Assault Charges $1500 - $4000
Drug Offenses $1800 - $3500
Visa Applications $1000 - $3000
View Profile
(647) 576-2454
Open 00:00 - 23:59
50 Richmond St E Suite 119, Oshawa, ON L1G 7C7, Canada
General Services
Criminal Defense
3

Conte Jaswal Lawyers

Conte Jaswal Lawyers focus on serious spinal, brain, and orthopedic injury cases, working closely with medical experts to assess clients’ conditions thoroughly. Their team handles personal injury and LTD claims with clear communication and attentive support, though some clients note the process can be lengthy. Many appreciate the firm’s compassionate approach during difficult times.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Slip and Fall Cases No Win, No Fee
View Profile
(877) 614-0008
Open 8:30 AM - 7:00 PM
711 Brock St S, Whitby, ON L1N 4L3, Canada
General Services
Dog Bite Injury Claims
4

Grillo Law Whitby

With over 30 years of combined experience, Grillo Law Whitby focuses on personal injury and disability claims, helping clients navigate insurance challenges. The team is known for clear communication and steady support throughout cases, though some clients note the process can take time due to claim complexities.

Services & Prices
Motorcycle Accident Claims No Win, No Fee
Motorcycle Crash Claims No Win, No Fee
Rider Injury Claims No Win, No Fee
Slip and Fall Claims No Win, No Fee
View Profile
(855) 225-5725
Closed Now
105 Consumers Dr unit 2, Whitby, ON L1N 1C4, Canada
General Services
Motorcycle Accident Representation
5

Preszler Injury Lawyers

With decades of experience handling personal injury claims in Ontario, Preszler Injury Lawyers assist clients dealing with car accidents, slip and falls, and pedestrian injuries. Their team guides clients through the legal process with clear communication and attentive support, though some may find the case timelines longer than expected.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Slip and Fall Cases No Win, No Fee
View Profile
(888) 379-4294
Open 00:00 - 23:59
105 Consumers Dr, Whitby, ON L1N 1C4, Canada
General Services
Dog Bite Injury Claims
Where they are 10 on the map Click a pin for the profile and directions
6

Kitchen Simeson Belliveau LLP

Kitchen Simeson Belliveau LLP focuses on helping clients with personal injury and disability claims, including dog attacks, car accidents, and medical malpractice. Their team guides clients through complex legal processes with clear communication and attentive support. While most clients appreciate their responsiveness, a few have noted occasional challenges with staff interactions.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Workplace Injury Claims No Win, No Fee
View Profile
(905) 579-5302
Closed Now
86 Simcoe St S, Oshawa, ON L1H 4G6, Canada
General Services
Dog Bite Injury Claims
7

BLPC Law

BLPC Law focuses on personal injury claims, helping clients recover compensation after serious accidents. Their team handles cases involving dog bites, slip and falls, and other injuries, guiding clients through complex legal processes with clear communication. Clients appreciate the firm’s supportive approach and thorough updates throughout their cases.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Workplace Injury Claims No Win, No Fee
View Profile
(800) 758-3108
Open 6:00 AM - 11:00 PM
767 Barry Downe Rd #208B, Sudbury, ON P3A 3T6, Canada
General Services
Dog Bite Injury Claims
8

Michelle Linka Law Professional Corporation

Michelle Linka Law Professional Corporation focuses on personal injury cases, helping clients recover compensation after serious accidents. The team handles claims related to slip-and-falls and car crashes across the Greater Toronto Area, including Whitby and Richmond Hill. Clients appreciate their clear communication, honesty about finances, and consistent support throughout the process.

Services & Prices
Accident Claims $5000 - $15000
Insurance Battles $3000 - $12000
Settlement Negotiations $2000 - $8000
Court Representation $2000 - $10000
View Profile
(905) 448-7810
Closed Now
105 Consumers Dr unit 10, Whitby, ON L1N 1C4, Canada
General Services
Personal Injury Law
9

Furlong Ford Law Firm

Furlong Ford Law Firm has served Oshawa and the Durham Region for over 40 years, offering legal support in areas including disability claims and personal injury. The team provides individual attention to each case and aims to build long-term client relationships. Some clients find communication inconsistent, though others appreciate the approachable and straightforward service.

View Profile
(905) 448-4800
Closed Now
282 King St E, Oshawa, ON L1H 1C8, Canada
10

EVANS, MITCHELL-GILL

Specializing in personal injury and criminal defense, this firm brings decades of trial experience to cases involving motor vehicle accidents, slips and falls, and more. The team is known for clear communication and empathetic support throughout often difficult legal processes. Some clients note that responsiveness can vary depending on case demands.

Services & Prices
Personal Injury Representation $1500 - $3000
Criminal Defense $2000 - $5000
Family Law Cases $1000 - $2500
Will and Trust Preparation $300 - $600
View Profile
(905) 433-1200
Closed Now
419 King Street West, Oshawa Executive Centre Suite 203 & 203A, 419 King St W, Oshawa, ON L1J 2K5, Canada
General Services
Legal Representation

Latest reviews of Oshawa Disability Lawyers

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

    I would definitely recommended Conte Jaswal Law firm to my family and friends as the best Law Firm in Durham Region and beyond. I reach out to Conte Jaswal Law firm and Peter Esfandiari reveiw my LTD claim and he assured me that he would do his best to get my LTD claim resolve to my satisfaction. I…

  • Denise

    I have never experienced so much unprofessionalism and rudeness from a law firm. RJ ignored my appointment twice and I sent a long detailed email also he ignored. Then he decided to represent the defendant in my ongoing case. Not impressed. Had to take some drastic measures. Do not hire this lawyer…

Oshawa Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 ABLF Personal Injury Lawyer 4.9 36 No Win, No Fee (800) 920-8165 Visit
2 Arvin Ross Law Office 5.0 28 $1,000 (647) 576-2454 Visit
3 Conte Jaswal Lawyers 4.8 26 $500 (877) 614-0008 Visit
4 Grillo Law Whitby 5.0 22 No Win, No Fee (855) 225-5725 Visit
5 Preszler Injury Lawyers 4.6 18 No Win, No Fee (888) 379-4294 Visit
6 Kitchen Simeson Belliveau LLP 4.8 16 No Win, No Fee (905) 579-5302 Visit
7 BLPC Law 5.0 15 No Win, No Fee (800) 758-3108 Visit
8 Michelle Linka Law Professional Corporation 5.0 9 $1,000 (905) 448-7810 Visit
9 Furlong Ford Law Firm 3.6 8 — (905) 448-4800 Visit
10 EVANS, MITCHELL-GILL 5.0 5 $150 (905) 433-1200 Visit

How this Oshawa 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?
It estimates back pay, future benefits to age 65, their value today, and a typical lump-sum range based on your claim status, policy type, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle your LTD claim, usually at 30-75% of the present value of future benefits, depending on claim status.
How accurate is the LTD settlement estimate?
Estimates are based on typical ranges and assumptions about policy terms and offsets. Actual settlements vary. Consult a professional for personalized advice.
Why are LTD settlements below full value?
Settlements reflect the present value of future benefits, minus risk and negotiation factors. They typically range from 30-75% of future benefits' value.
What's the deadline for LTD claims in Ontario?
Generally, you have 2 years from when benefits stopped or were first payable to start a legal claim. Internal appeals may not pause this deadline.
Is a lump-sum LTD settlement taxable in Ontario?
If your employer paid premiums, back pay is usually taxable, while future portions often are not. Tax advice is essential before accepting a settlement.
What does 'own occupation' vs 'any occupation' mean?
LTD policies often switch from covering your own job to any job after 24 months. This affects eligibility and settlement value.
What if my LTD claim is denied in Oshawa?
You can appeal internally or legally challenge the denial within 2 years. Consult a professional for personalized advice.
Can I get damages for mental distress if my LTD claim is denied?
Courts may award damages for mental distress or bad faith in wrongful denials, but these are rare and not included in typical settlements.

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