Long Term Disability Benefits Calculator
Our LTD Calculator helps you quickly estimate your potential long-term disability benefits based on your unique situation
How The Calculator Works
Simply enter your income details into the fields provided
The calculator will apply the standard benefit percentages to show you an approximate monthly payment
This tool is meant to provide an easy, initial estimate—your actual entitlement may vary depending on your insurance policy and specific circumstances.
LTD Benefits Calculator
Estimate monthly LTD payout based on policy terms, offsets, and taxability.
Breakdown
This tool provides an instant estimate of the long-term disability benefits you may be entitled to. Please note that the results are for informational purposes only - actual benefits can vary based on your policy and individual circumstances. For personalized advice, book a free no obligation consultation
What You’ll See
Once you enter your information, the calculator will show you an estimate of your monthly LTD benefits based on your income
You’ll also see a clear breakdown of how the amount is calculated, giving you a better understanding of what to expect from your coverage
Why Use This Tool?
Understanding your potential LTD benefits can be confusing, and policies are often written in complex language
This tool gives you a quick, easy-to-understand estimate so you can plan ahead with confidence and know when it may be time to seek legal advice
Before even applying for LTD (estimate)
How You Qualify for LTD Benefits
You must meet certain criteria set by your insurance policy, including:
Providing medical evidence that you cannot perform the essential duties of your occupation
Satisfying a waiting or elimination period before benefit payments begin
Fulfilling any employment requirements
Common Mistakes To Avoid
When applying for LTD benefits, many people unknowingly harm their claim by
Missing deadlines
Providing incomplete medical documentation
Relying only on their insurer’s assessment
Taking the time to prepare properly — and getting legal support if needed — can make a significant difference in the success of your claim
FAQ's
How much of my income will LTD benefits cover?
Most LTD policies cover between 60% and 70% of your pre-disability income, though the exact percentage depends on your plan.
How long do I have to wait before receiving LTD benefits?
Most policies require a waiting or “elimination period” of 90 to 120 days after you stop working before benefits begin.
Can I work part-time and still receive LTD benefits?
Some policies allow partial benefits if you can return to part-time work, but this depends on your plan’s wording.
What if my LTD claim is denied?
You can appeal a denial. It’s often best to seek legal guidance to strengthen your case and ensure deadlines are met.
DO LTD Benefits affect other government benefits?
Yes, LTD payments may be reduced if you receive other benefits such as CPP Disability. Your policy will specify how offsets are applied.
Next Steps
Once you’ve used the tool and know your estimated costs:
Book a free consultation with our team at Pranzitelli Law Firm.
Ontario Land Transfer Tax Calculator
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
Ontario Land Transfer Tax Calculator
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
LTD Benefits Calculator
Estimate Long Term Disability Benefits — Quickly and Easily
Our LTD Calculator helps you quickly estimate your potential long-term disability benefits based on your unique situation. Use this simple tool to gain clarity and make informed decisions about your financial future.
How The Calculator Works
Our LTD Calculator is designed to give you a quick estimate of your potential long-term disability benefits
Simply enter your income details into the fields provided, and the calculator will apply the standard benefit percentages to show you an approximate monthly payment
This tool is meant to provide an easy, initial estimate—your actual entitlement may vary depending on your insurance policy and specific circumstances.
*No information is saved on our system when using this tool. It is simply for your reference
LTD Benefits Calculator
Estimate monthly LTD payout based on policy terms, offsets, and taxability.
Breakdown
What You’ll See
Once you enter your information, the calculator will show you an estimate of your monthly LTD benefits based on your income
You’ll also see a clear breakdown of how the amount is calculated, giving you a better understanding of what to expect from your coverage
Why Use This Tool?
Understanding your potential LTD benefits can be confusing, and policies are often written in complex language
This tool gives you a quick, easy-to-understand estimate so you can plan ahead with confidence and know when it may be time to seek legal advice
Before even applying for LTD (estimate)
How You Qualify for LTD Benefits
You must meet certain criteria set by your insurance policy, including:
Providing medical evidence that you cannot perform the essential duties of your occupation
Satisfying a waiting or elimination period before benefit payments begin
Fulfilling any employment requirements (e.g. minimum number of years worked, full-time status)
Common Mistakes to Avoid
When applying for LTD benefits, many people unknowingly harm their claim by missing deadlines, providing incomplete medical documentation, or relying only on their insurer’s assessment
Taking the time to prepare properly — and getting legal support if needed — can make a significant difference in the success of your claim
FAQ's
How much of my income will LTD benefits cover?
Most LTD policies cover between 60% and 70% of your pre-disability income, though the exact percentage depends on your plan.
How long do I have to wait before receiving LTD benefits?
Most policies require a waiting or “elimination period” of 90 to 120 days after you stop working before benefits begin.
Can I work part-time and still receive LTD benefits?
Some policies allow partial benefits if you can return to part-time work, but this depends on your plan’s wording.
What if my LTD claim is denied?
You can appeal a denial. It’s often best to seek legal guidance to strengthen your case and ensure deadlines are met.
Do LTD benefits affect other government benefits?
Yes, LTD payments may be reduced if you receive other benefits such as CPP Disability. Your policy will specify how offsets are applied.
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.
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Our Addresses
(Vaughan | Toronto | London)
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
What is Long-Term Disability (LTD) Insurance
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.
How Do I Qualify For Long-Term Disability Benefits In Ontario?
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.
What Types Of Conditions Are Covered Under Long Term Disability Insurance?
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.
How Long Can I Receive Long-Term Disability Benefits?
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.
What Should I DO If My Long-Term Disability Claim Is Denied?
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.
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Our Addresses
(Vaughan | Toronto | London)
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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