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IRB Calculator - Ontario Reg. 34/10 (SABS 2010) | Jackson Forensic Accounting

IRB Calculator – Ontario Reg. 34/10 (SABS 2010)

*Do not use this for Motor Vehicle Accidents which occurred prior to September 1, 2010

Age at MVA0.0

This calculator does not address:

  • Pre or post-accident losses from self-employment
  • s. 47 collateral benefits (received due to a prior impairment)
  • More than 2 sources of post-accident income in any one period
  • More than 2 sources of other income replacement assistance in any one period
  • MVAs more than 5 years old IF there is post-accident income or other benefits to consider.

*Contact an expert for advice in those cases.

Your contact information will be requested before results are shown.

Pre-Accident Period

Select ONE of the below options:

IRB based on income in the last tax year ?
IRB based on income in the 4-weeks ?
IRB based on income in the 52-weeks ?
Last tax year for business and employment in 52-weeks ?

Pre-Accident Income: Income in the Last Taxation Year

*Enter the total for the period NOT weekly amount

Self-Employment Income ? :

Gross Employment Income ? :

Total Income in Last Tax Year: -

Pre-Accident Income: Income in the 4-Weeks

*Enter the total for the entire 4-week period from each source below

Gross Employment Income

Total Income in the 4-Weeks: -

Pre-Accident Income: Income in the 52-Weeks

*Enter the total income from each source in the 52-week period

Gross Employment Income

Total Income in the 52-Weeks: -

Combined Approach: Last Tax for Self-Employment and 52-Weeks for Employment

Income from Self-Employment in the Last Tax Year:

Gross Employment Income in the 52-Weeks

Total Pre-MVA Income: -
Weekly Pre-MVA Income: -
70% of Pre-MVA Income: $-

Post-Accident

Is there post-MVA income? ?

*Post-MVA income includes Employment Insurance (EI) benefits - find decisions HERE

Is there Other Income Replacement Assistance? ?

Post-Accident Income: Source 1

This is for post-MVA income. Sick pay, short or long-term disability benefits or CPPD as a result of the MVA do not belong here as they are considered Other Income Replacement Assistance

*Notes:

  • Overlap in periods will cause errors. Please use source 2 if you have more than one source of income in a period.
  • There can be gaps between periods.
  • Do not enter a start date earlier than the period start showing in the first period

Post-Accident Income: Source 2

*Overlap in periods will cause errors. There can be gaps between periods.

Other Income Replacement Assistance - Source 1

This section is for income benefits received as a result of the MVA, such as Short / Long Term Disability benefits or CPP Disability.

If there are retroactive benefits (i.e. CPPD) there are limitations on recoverability of any overpayments. Please contact us in this case.

Often settlements are not deductible as other income replacement assistance. Please contact us to learn more.

*Notes:

  • Overlap in periods will cause errors. Please use source 2 if you have more than 1 benefit during the same period.
  • There can be gaps between periods.
  • Do not enter a start date earlier than the period start showing in the first period

Other Income Replacement Assistance - Source 2

*Overlap in periods will cause errors. There can be gaps between periods.

Results will appear upon submission of your contact information

Results

Where applicable, results consider the minimum weekly base of $185 beyond the first 104-weeks of disability, s.9 ramping, s.8 adjustment.

Weekly Other Income Replacement Assistance will only show below if it is impacting the IRB payable.

70% of Pre-MVA Weekly Income [B] -
StartEnd# of Wks Weekly Other Income Replacement Assistance Subtotal
Max Limit
Min $0		 70% of Post-MVA Weekly Income Weekly IRB Payable Total IRB for the Period
[A][C] [D=B-C][E][F=D-E][AxF]
IRB Payable to End Date  $-
This calculator allows you to calculate estimated Income Replacement Benefits, based on the information you provide and subject to the restrictions noted within. The tool is for convenience / illustrative purposes only. The provider makes no representations or warranties regarding the accuracy or completeness of the calculator results and does not assume any responsibility for errors.
Jackson Forensic Accounting
Present Value - Income Replacement Benefits | Jackson Forensic Accounting

Present Value – Income Replacement Benefits

This is for future IRBs for individuals NOT over 65 at the time of the MVA. For past IRBs, or for help calculating 70% of pre-MVA weekly income, please use the Past IRB calculator on our website.

Age at Valuation Date:0.00

Enter LTD / CPPD Details:

*Please note this calculator currently assumes the above benefits will cease by age 65, and as such, are not considered in the weekly IRB used in the s.8 adjustment.

Results will appear upon submission of your contact information

Results

PV of IRBs to Age 65$-
PV of IRBs From Age 65 to Life$-
Total PV of Future IRBs$-

In addition to the discount rates noted above, mortality has been considered based on the Canada Life Tables, 2022–2024.

Weekly IRB Details

Weekly IRB at Valuation Date$-
Weekly IRB after s.8 adjustment$-
This calculator allows you to calculate the estimated present value of future Income Replacement Benefits for life, based on the information you provide. The tool is for convenience / illustrative purposes only. Provider assumes no responsibility for errors.
Jackson Forensic Accounting

Present Value Calculator for Income Loss

This calculator provides the estimated present value of an annual income stream to a set retirement age. Your contact information will be requested before results are shown.

Age at Valuation Date: 0.0
Discount Rates:   First 15 Years –    After 15 Years –

Results will appear upon submission of your contact information

Results

Present Value of Future Loss of Income: $–
In addition to discount rates as noted above, the following contingencies have been accounted for:
  • Mortality per the Statistics Canada Life Tables, 2022-2024
  • Disability based on the Ultimate disability incidence rates per Table 85 in the Actuarial Report for the Canada Pension Plan dated December 8, 2025.
  • Where requested: Unemployment per the Labour Force Survey - 2025 Rates
The above contingencies have had the following impact on the total present value shown:
Reduction due to contingencies: –
Jackson Forensic Accounting
This calculator allows you to calculate the estimated present value of an annual income stream to a set retirement age, based on the information you provide. The tool is for convenience / illustrative purposes only. Provider assumes no responsibility for errors.
Engine v1.0 · Updated July 6, 2026

Present Value Calculator – Future Benefits

Based on rates per the Rules of Civil Procedure without contingencies for disability or unemployment. This calculator does not apply to IRBs (a dedicated IRB PV calculator is currently in development). Your contact information will be requested before results are shown.

Age at Valuation Date: 0.00

Results will appear upon submission of your contact information

Results

Present Value of Future Benefits: $–
Discount Rates:   First 15 yrs –    After 15 yrs –
In addition to the discount rates noted above, mortality has been considered based on the Canada Life Tables, 2022-2024.
Reduction due to mortality already applied: –
Jackson Forensic Accounting
This calculator allows you to calculate the estimated present value of an annual income stream to a set retirement age, based on the information you provide. The tool is for convenience / illustrative purposes only. Provider assumes no responsibility for errors.
Engine v1.0 · Updated July 6, 2026