Long-Term Disability Settlement Calculator Peterborough, 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
The 2026 average is about $1,236 a month.
Enter your monthly benefit, or your salary.
Count from when benefits stopped (or should have started) until today.
Enter your age (18–64).
Peterborough Community Legal Centre
4.0 · 29 reviews · Disability claims
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Lillico Bazuk Galloway Halka
4.2 · 24 reviews · Disability claims
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Wolfe Lawyers PC
3.4 · 7 reviews · Disability claims
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General estimate only, not legal or tax advice. No lawyer–client relationship is created.
Top-rated disability lawyers in Peterborough
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Peterborough Community Legal Centre
Focused on providing legal aid to low-income residents, Peterborough Community Legal Centre offers confidential support with housing and income security issues. The team provides helpful advice and timely follow-ups, mostly by phone, though same-day emergency assistance may not be available. Services exclude criminal law matters.
Lillico Bazuk Galloway Halka
Lillico Bazuk Galloway Halka focuses on estate planning and family legal matters, including complex powers of attorney and property agreements. The team is known for thoroughness and steady guidance, helping clients navigate sensitive situations with care. Some clients note communication can be slow during complicated cases.
Wolfe Lawyers PC
Wolfe Lawyers PC focuses on helping clients recover after accidents involving motor vehicles, public transport, and pedestrian incidents. Their team handles a range of injuries, from soft tissue to serious brain and spinal cord trauma, and offers support for both physical and psychological effects. Clients appreciate clear explanations, though some note occasional delays in returning calls.
Michelle Linka Law Professional Corporation
Michelle Linka Law, your disability lawyer's personal injury attorney, has been providing exceptional service and results for thousands of clients in Richmond Hill, Peterborough, and Oshawa. No matter how large the case, we offer a 100% guarantee. Our lawyers can help you and your loved ones get the compensation you need to live a happy life. Michelle Linka Law recognizes the trust that clients… more...
Michelle Linka Law, your disability lawyer's personal injury attorney, has been providing exceptional service and results for thousands of clients in Richmond Hill, Peterborough, and Oshawa. No matter how large the case, we offer a 100% guarantee. Our lawyers can help you and your loved ones get the compensation you need to live a happy life. Michelle Linka Law recognizes the trust that clients place in Michelle Linka Law to manage their claims. It is their mission to honor this commitment. We provide outstanding service and results, no matter how large the case. Michelle Linka Law, your Richmond Hill (Durham Region), Whitby (Durham Region), and Peterborough (Kawartha lakes) personal injury attorney. You and your family deserve the best for your injuries. Let us help you with your problems. We'll work tirelessly to relieve you from the current burdens. In Ontario every year, many people are severely injured by car accidents and crashes. We have found many clients who aren't receiving all the benefits they deserve after an accident, regardless of their location, in the Greater Toronto Area. This includes Whitby (Durham Region), Richmond Hill (York Region), and the Peterborough Kawartha.
How this Peterborough 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 questionsHow does the long-term disability settlement calculator work?
How accurate is the LTD settlement estimate?
What is a long-term disability buyout?
Why are LTD settlements below full value?
What is the deadline for LTD claims in Ontario?
Is a lump-sum LTD settlement taxable in Ontario?
What is the 'own occupation' vs 'any occupation' test?
What if my LTD claim was denied in Peterborough?
General information, not legal advice — consult a licensed Ontario lawyer.