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

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

1

Samfiru Tumarkin LLP Ottawa Employment Lawyers

Samfiru Tumarkin LLP specializes in employment law, assisting clients with workplace disputes, wrongful dismissal, and disability benefits claims. Their team guides individuals through severance negotiations and employment contract reviews, often providing clear explanations and steady communication throughout the process. Some clients note that initial consultations involve a triage system… more...

Samfiru Tumarkin LLP specializes in employment law, assisting clients with workplace disputes, wrongful dismissal, and disability benefits claims. Their team guides individuals through severance negotiations and employment contract reviews, often providing clear explanations and steady communication throughout the process. Some clients note that initial consultations involve a triage system before connecting with a lawyer.

Services & Prices
Severance Package Review $150 - $300
Settlement Agreement Assistance $200 - $400
Employment Contract Review $100 - $250
Disability Claim Review $150 - $300
View Profile
(613) 366-3063
Closed Now
116 Albert St #300,Ottawa, ON K1P 5G3
General Services
Employment Law
2

RavenLaw LLP - Ottawa

RavenLaw LLP focuses on advancing workers’ rights and social justice through legal advocacy. The team handles cases involving workplace discrimination, equity, and union representation, often working with employees and social organizations. Clients appreciate their compassionate, clear communication, though some note that other firms may offer more detailed case reviews.

Services & Prices
Claim Submission Assistance $300 - $500
Appeals Representation $500 - $800
Severance Agreement Review $200 - $400
Wrongful Dismissal Representation $1000 - $2000
View Profile
(613) 567-2901
Closed Now
220 Laurier Ave W Suite 1600, Ottawa, ON K1P 5Z9, Canada
General Services
Long-Term Disability Claims
3

Hameed Law

Specializing in human rights advocacy since 2004, Hameed Law assists clients with administrative law, civil litigation, employment issues, and prisoner rights. The team is known for providing thoughtful, trauma-informed support and clear guidance through complex legal processes, though some clients note the firm’s thorough approach can take time.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(613) 627-2974
Closed Now
43 Florence St, Ottawa, ON K2P 0W6, Canada
General Services
Workers' Compensation Claims
4

MZS Lawyers

MZS Lawyers specializes in dispute resolution across personal injury, insurance denials, and estate disputes. The team offers legal advice and representation through phone, video, or in-person consultations, handling cases from auto accidents to will contests. Clients appreciate their professionalism and clear communication, though some note occasional delays in complex estate matters.

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 No Win, No Fee
View Profile
(613) 722-1313
Closed Now
2571 Carling Ave #200,Ottawa, ON K2B 7H7
General Services
Dog Bite Injury Claims
5

Quinn Thiele Mineault Grodzki LLP

Quinn Thiele Mineault Grodzki LLP focuses on medical malpractice and slip-and-fall cases, helping clients pursue compensation for injuries caused by negligence. The team works closely with clients to clarify complex medical and legal issues, with many appreciating their thorough communication and support during difficult times, though some have raised concerns about responsiveness and… more...

Quinn Thiele Mineault Grodzki LLP focuses on medical malpractice and slip-and-fall cases, helping clients pursue compensation for injuries caused by negligence. The team works closely with clients to clarify complex medical and legal issues, with many appreciating their thorough communication and support during difficult times, though some have raised concerns about responsiveness and professionalism.

Services & Prices
Medical Negligence Claims No Win, No Fee
Surgical Error Cases No Win, No Fee
Misdiagnosis Claims No Win, No Fee
Slip and Fall Claims No Win, No Fee
View Profile
(613) 801-3148
Closed Now
310 R. O'Connor St, Ottawa, ON K2P 1V8, Canada
General Services
Medical Malpractice Claims
Where they are 9 on the map Click a pin for the profile and directions
6

Luke Prior - Employment Lawyer

Specializing in employment law, this practice focuses on helping workers assert their rights under Ontario and federal workplace laws. The team offers clear explanations and timely responses, often handling cases virtually for convenience. Clients appreciate the professional yet approachable service, noting the thoughtful guidance and thorough analysis provided throughout.

Services & Prices
Settlement Negotiation $200 - $500
Employment Contract Review $150 - $400
Out of Court Settlement $300 - $600
Court Representation $1000 - $2000
View Profile
(613) 434-2136
Open 9:00 AM - 7:00 PM
224 Cooper St 2nd Floor, Ottawa, ON K2P 0G1, Canada
General Services
Employment Law
7

Van Dyke Law

Van Dyke Law focuses on personal injury cases, including accidents caused by dangerous properties and slip-and-fall incidents. The team offers no-fee-until-settled legal help and guides clients through insurance claims with clear communication. Some clients note the lead attorney can seem less responsive, though support staff are appreciated for their attentiveness.

Services & Prices
Medical Negligence Claims No Win, No Fee
Surgical Error Cases No Win, No Fee
Misdiagnosis Claims No Win, No Fee
Slip and Fall Claims No Win, No Fee
View Profile
(613) 592-8500
Closed Now
1000 Innovation Dr Suite 500, Ottawa, ON K2K 3E7, Canada
General Services
Medical Malpractice Claims
8

WVG Law Group

WVG Law Group specializes in serious personal injury cases, including brain and spinal cord injuries, focusing on securing fair compensation for clients. Their team guides clients through complex legal processes and handles communications with insurers, while clients appreciate clear explanations and timely responses throughout often slow-moving cases.

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 Claims No Win, No Fee
View Profile
(613) 505-5025
Open 9:00 AM - 6:00 PM
2571 Carling Ave #200,Ottawa, ON K2B 7H7
General Services
Dog Bite Injury Claims
9

Lister Beaupré Lawyers/Avocats

Lister Beaupré Lawyers/Avocats offers bilingual legal support with experience in disability insurance claims among other areas like family and business law. Clients appreciate the team’s thoroughness and dedication, though some note that communication and billing transparency can be inconsistent during longer cases. The firm handles complex matters requiring detailed attention.

Services & Prices
Divorce Mediation $300 - $500
Custody Agreements $250 - $450
Representation in Settlements $1000 - $5000
Litigation Services $2000 - $10000
View Profile
(613) 234-2500
Closed Now
200 Catherine St Suite 301, Ottawa, ON K2P 2K9, Canada
General Services
Family Law

Latest reviews of Ottawa Disability Lawyers

Written on TrustAnalytica by clients of the businesses in this list
  • Grateful C.

    Claire Boychuk from Raven Law took on my case and helped me understand my rights. She approached my situation with both compassion and professionalism, taking the time to clearly explain the different options available to me. With her guidance, I was able to choose the path that felt right for my ci…

  • Celeste

    Claire and Raphaelle are amazing lawyers! They helped me out a lot. I am very impressed. Anna helped out for three weeks and is also amazing!

  • Bob

    I contacted this firm relating to family matters, with three straightforward questions I was hoping to get a direct answer to. I was guided to Cynthia Squire after paying for an initial one-hour consultation. After explaining my situation and the three issues I was hoping to resolve I was reassured…

Ottawa Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Samfiru Tumarkin LLP Ottawa Employment Lawyers 4.8 221 $100 (613) 366-3063 Visit
2 RavenLaw LLP - Ottawa 4.6 43 $150 (613) 567-2901 Visit
3 Hameed Law 4.7 35 No Win, No Fee (613) 627-2974 Visit
4 MZS Lawyers 4.7 34 $1,200 (613) 722-1313 Visit
5 Quinn Thiele Mineault Grodzki LLP 3.7 35 No Win, No Fee (613) 801-3148 Visit
6 Luke Prior - Employment Lawyer 5.0 21 $100 (613) 434-2136 Visit
7 Van Dyke Law 4.2 15 No Win, No Fee (613) 592-8500 Visit
8 WVG Law Group 5.0 10 No Win, No Fee (613) 505-5025 Visit
9 Lister Beaupré Lawyers/Avocats 3.7 6 $100 (613) 234-2500 Visit

How this Ottawa long-term disability calculator works

This calculator adds two numbers. Back pay is the monthly benefit your policy should have paid (capped at the policy maximum if it has one, less any CPP-D or WCB offset) multiplied by the months it has been unpaid. Benefits only start after your policy's waiting (elimination) period, so count unpaid months from the end of that period. Future benefits are the same monthly amount until your policy's end age (usually 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. If your benefit is taxable, it also shows roughly what you keep each month after tax.

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 to the insurer does NOT stop the limitation clock.
Discount rate
Future benefits are discounted at 3.5%, the rate disability lawyers commonly use to value LTD claims. If your benefit has a cost-of-living adjustment (COLA), the calculator uses 1.5% instead: your payments grow with inflation, so less is taken off for the time value of money.
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). WCB / WorkSafe benefits are usually deducted too.
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.
Recovery and life expectancy
Insurers rarely pay every month to the end date: they will argue you may recover or that your condition shortens your life expectancy. These arguments are complex and differ case by case, so have a lawyer assess how they apply to you.
Union members
If you are in a union, your collective agreement may require you to use the grievance process instead of suing when your LTD is denied. An experienced disability lawyer can tell you which route applies.

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 Ottawa 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 and details.
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, plus back pay.
Why are LTD settlements less than full value?
Settlements are less than full value to account for uncertainties and the insurer's risk. They typically range from 30-75% of future benefits' present value.
What's the deadline to sue for LTD in Ontario?
In Ontario, you generally have 2 years from when benefits stopped or were first payable to sue. Internal appeals may not pause this deadline.
Is a lump-sum LTD settlement taxable in Ontario?
If your employer paid any premiums, monthly benefits are taxable. In a denied claim settlement, back pay is usually taxable, but future portions often are not.
What is the own-occupation vs any-occupation test in LTD policies?
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 estimate for Ottawa?
The estimate uses typical ranges and assumptions but can't guarantee outcomes. It's based on your claim details and current Ontario rules.
What if my long-term disability claim was denied in Ontario?
You can use the calculator to estimate potential back pay and future benefits. Consider consulting a professional for advice on next steps.
How are back pay and future benefits calculated for LTD?
Back pay is the unpaid amount since benefits stopped. Future benefits are projected to age 65, discounted at 1.2% for 15 years, then 2.5%.

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