Long-Term Disability Benefits Calculator
Calculate your Long-Term Disability (LTD) monthly benefit (2025) and see if your insurer is paying you correctly. This calculator helps you understand your policy entitlement and detect potential underpayment. Results are informational only and not legal advice.
LTD Benefits Calculator
Calculate your monthly LTD benefit entitlement in Ontario.
Your salary/income before becoming disabled
Policy cap (e.g., $5,000, $10,000, $15,000, or unlimited = 999999)
Offsets (Deductions from LTD)
Most LTD policies reduce benefits by other income sources:
If working part-time or receiving severance
Underpayment Check (Optional)
Enter your actual LTD payment to see if you're underpaid
Your LTD Benefit Calculation
Net Monthly LTD Benefit
This is what your insurer should pay you each month
⚠️ You May Be Underpaid!
You're currently receiving $0 per month, but our calculation shows you should receive $0.
Potential shortfall: $0/month
This could mean $0 per year you're losing. Contact us for a free policy review.
Payment Appears Higher Than Expected
You're receiving more than our calculation shows. This could be due to:
- Additional policy riders or benefits
- Cost of Living Adjustments (COLA)
- Retroactive back payments
- Incorrect offset calculations
Be aware: insurers may later claim overpayment and demand repayment. Get a policy review to understand why.
✓ Payment Appears Accurate
Your current payment matches our calculation. However, ensure offsets are being calculated correctly and your policy is being interpreted fairly.
Important Notes:
- LTD benefits are usually taxable if employer paid premiums
- CPP Disability maximum in 2025: $1,606.78/month (updated annually)
- Policies may have different offset formulas (check your plan)
- Most plans have "own occupation" (first 24 months) then "any occupation" definitions
- Maximum benefit caps vary by policy (often $5K-$15K monthly)
- Benefits typically stop at age 65 (some newer policies extend to 67)
Important Disclaimer: This calculator provides a general estimate based on typical 2025 LTD policy structures in Ontario. Every LTD policy is different with unique definitions, offsets, exclusions, and benefit formulas. CPP-D maximum for 2025 is $1,606.78/month. This is not legal advice. For accurate benefit calculations and to understand if you're being underpaid, contact a disability lawyer for a free policy review.
BEING UNDERPAID?
We review LTD policies for free and fight denied or underpaid claims.
905-744-8888