Long-Term Disability Settlement Calculator Anchorage, AK
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 $1,630 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).
Disability Law Center of Alaska
3.5 · 14 reviews · Disability claims
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Morgan & Morgan
5.0 · 8 reviews · Disability claims
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Robert Stone Law Office LLC
4.3 · 7 reviews · Disability claims
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General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Anchorage
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Disability Law Center of Alaska
Disability Law Center of Alaska connects individuals with disabilities to legal resources through an intake advocate who gathers details to assess potential assistance. The team offers support and information but does not establish attorney-client relationships or guarantee case acceptance. Some clients appreciate their helpfulness, while others note occasional communication challenges.
Morgan & Morgan
Morgan & Morgan focuses on Social Security Disability claims, helping clients navigate the often complex application and appeals process. Their team supports individuals facing denials and works to secure benefits that are crucial for many families. Clients appreciate the firm’s thoroughness and the personal attention they provide throughout each case.
Robert Stone Law Office LLC
Robert Stone Law Office LLC focuses on representing clients injured in auto, aircraft, or maritime accidents caused by others’ negligence. The team handles claims related to medical costs, lost wages, and emotional distress, aiming to ease the legal process. Clients appreciate the attentive, knowledgeable approach and the friendly office atmosphere.
Alaska Disability Law
If you were injured in an accident in Alaska, the Anchorage personal injury lawyers at Farnsworth & Vance can help you seek justice and a fair recovery. With nearly 20 years of experience, including experience in insurance defense. Now, they use this “insider” experience to skillfully negotiate fair settlements on behalf of injured Alaskans and their families. Whether you were involved in a car… more...
If you were injured in an accident in Alaska, the Anchorage personal injury lawyers at Farnsworth & Vance can help you seek justice and a fair recovery. With nearly 20 years of experience, including experience in insurance defense. Now, they use this “insider” experience to skillfully negotiate fair settlements on behalf of injured Alaskans and their families. Whether you were involved in a car accident, lost a loved one in a catastrophic truck accident, or were the victim of medical malpractice, Farnsworth & Vance is prepared to advocate for your best interests. They have a track record of securing bigger, faster settlements for their clients, and, as skilled litigators, they are not afraid to fight for you in the courtroom if necessary.
Law Office of Justin S. Eppler, LLC
The Law Office of Justin S. Eppler, LLC is here to help you get the workers' compensation benefits that you're entitled to under the law. You get access to the knowledge and contacts you need to maximize your recovery when you work with us. We will get the maximum compensation for you so that you can rest easy in the future. Working as a probate and workers' compensation attorney, I know how… more...
The Law Office of Justin S. Eppler, LLC is here to help you get the workers' compensation benefits that you're entitled to under the law. You get access to the knowledge and contacts you need to maximize your recovery when you work with us. We will get the maximum compensation for you so that you can rest easy in the future. Working as a probate and workers' compensation attorney, I know how difficult life can be. It's normal to be uncertain about everything, from starting your business to settling an estate dispute or seeking out compensation for injuries. All of us want the best for our families and loved ones. Our relationships are important to us. We want to understand each client's individual circumstances so we can offer the most helpful guidance during the legal process. Clear and transparent communication is crucial to achieving success. The decisions that I make in your case are influenced by my experience with Alaskan families and individuals. When your well-being is on the line, I will not waste my time or energy. Let me advocate as effectively as I can for justice so that you thrive.
Latest reviews of Anchorage Disability Lawyers
Written on TrustAnalytica by clients of the businesses in this list-
They claimed they mailed my medical records without tracking information and I never received the package. Mishandling of sensitive personal information is very concerning and I do not recommend their services.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Disability Law Center of Alaska | 3.5 | 14 | $15 | (907) 565-1002 | Visit |
| 2 | Morgan & Morgan | 5.0 | 8 | $60 | (907) 531-0511 | Visit |
| 3 | Robert Stone Law Office LLC | 4.3 | 7 | — | (907) 276-4190 | Visit |
| 4 | Alaska Disability Law | 2.3 | 3 | — | (800) 614-8005 | Visit |
| 5 | Law Office of Justin S. Eppler, LLC | 3.0 | 2 | — | (907) 770-0400 | Visit |
How this Anchorage long-term disability calculator works
This calculator adds two numbers. Back pay is the monthly benefit your policy should have paid (after any SSDI 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.
Alaska rules this calculator applies
- Deadline to act
- For an ERISA employer plan, file your internal appeal within 180 days of the denial letter; you cannot sue until it is decided.
- Discount rate
- Future benefits are discounted at 3%, a common buyout assumption.
- 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.
- SSDI offset
- Most employer plans reduce your LTD benefit by any Social Security Disability (SSDI) you receive (about $1,630 a month on average in 2026).
- Tax
- If your employer paid the premiums, or you paid them with pre-tax dollars, LTD benefits and settlements are taxable income. If you paid with after-tax money, they are generally not. Get tax advice before you sign.
- ERISA plans
- Most employer plans are governed by ERISA: you must file an internal appeal within 180 days of the denial before you can sue, the insurer usually has 45 days (plus one 45-day extension) to decide, and the case is then heard by a judge on the written record. ERISA allows back benefits, reinstatement and attorney fees, but no jury and no punitive or emotional-distress damages. Individual, government and church plans fall outside ERISA, so state law applies: you can usually sue in state court, and bad-faith damages may be available.
General information about Alaska 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
7 questionsHow does the long-term disability settlement calculator work in Anchorage?
What is a long-term disability buyout?
Why might my LTD settlement be less than full value?
What should I do if my long-term disability claim is denied in Alaska?
Are LTD settlements taxable in Anchorage?
What is the difference between 'own occupation' and 'any occupation' in LTD policies?
What are the deadlines for appealing a denied LTD claim in Alaska?
General information, not legal advice — consult a licensed Alaska attorney.