Estimate gross wage loss due to injury. Enter pay, dates off work, partial capacity, mitigation earnings, and benefits.
Know your financial gap — see an accurate estimate of what you’ve lost
Build your case — useful for insurance claims, disability applications, or legal actions
Save time — no complex spreadsheets or manual calculations
Plan ahead — see how adjustments (e.g. return-to-work date) change your outcome
Make informed decisions — understand whether mediation, settlement, or litigation is worthwhile
Estimate wage loss due to injury. Enter your pay, dates off work, any partial capacity, mitigation earnings, and benefits received. This tool shows gross figures. Taxes, deductions, and benefit repayment rules may apply.
Enter your basic info
Provide your salary, working hours, leave start/end dates, and any income you’ve received during the leave
Include any deductions or offsets
Account for things like benefits, sick pay, vacation pay, or government assistance you may have received
Calculate
Get a breakdown of your estimated lost income, per month and in total
Review the detailed summary and options
You’ll see which periods caused the biggest losses, possible adjustments, and suggestions for next steps (e.g. document collection, legal consultation, claim filing)
Your pre-leave income baseline
Duration of missed work or reduced capacity
Partial or full income received during that time
Deductions like taxes, benefits, or other income
Net “lost income” result (before and after offsets)
A clear dollar-figure estimate of how much income you lost
A breakdown by month or period
Sensitivity insights (how your assumptions or changes affect outcome)
Guidance on what to do with this estimate — whether submitting claim, negotiating, or pursuing further steps
People who’ve had to stop working due to injury, illness, or disability
Individuals pursuing disability, workers’ compensation, or insurance claims
Lawyers, advocates, or family members helping someone quantify loss
Anyone seeking a concrete financial starting point before discussions or settlement
No. The estimate is for informational purposes only. It does not guarantee the outcome of any insurance, CPP, or legal claim. For personalized advice, you should speak with a qualified professional.
Yes. Many people use the calculator to support CPP Disability applications, insurance claims, or settlement discussions. However, you may need to provide additional documentation to verify your income and time off work.
No. The tool only asks for non-identifying details like income, work schedule, and leave dates. Your data is not stored or shared — you receive your results instantly on-screen.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
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This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.
To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.
LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.
The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.
If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
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