Long-Term Disability Settlement Calculator Chandler, AZ
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
Individual policies can cap the monthly benefit or end at a different age. Check your policy schedule.
Enter your monthly benefit, or your salary.
The 2026 average is about $1,630 a month.
Count from when benefits stopped (or should have started) until today.
Enter your age (18 or older, below the age benefits end).
Phillips Law Group Avondale
5.0 · 48 reviews · Disability claims
Free claim review →
Phelps LaClair, PLC
5.0 · 41 reviews · Disability claims
Free claim review →
Edward M. Ober
4.0 · 4 reviews · Disability claims
Free claim review →
General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Chandler
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Phillips Law Group Avondale
Phillips Law Group offers Social Security Disability legal services on a contingency fee basis, meaning clients pay only if compensation is recovered. The team helps with filing and appealing claims, guiding clients through a process that is often initially denied. Clients appreciate their supportive approach and confidence in handling cases.
Phelps LaClair, PLC
Named among the top 10, Phelps LaClair, PLC stands out for its unmatched dedication to estate planning. Its 40+-year heritage as a local firm, coupled with a team that includes lawyer Jeffrey LaClair, frequently praised for his thoroughness and clarity, lays a strong foundation. Prior clients frequently rave about personalized assistance, current improvements, and a service model that includes… more...
Named among the top 10, Phelps LaClair, PLC stands out for its unmatched dedication to estate planning. Its 40+-year heritage as a local firm, coupled with a team that includes lawyer Jeffrey LaClair, frequently praised for his thoroughness and clarity, lays a strong foundation. Prior clients frequently rave about personalized assistance, current improvements, and a service model that includes value for taxes with no surprises. Phelps LaClair, PLC commits to remain partnerless and its clients deserve their time, the couple’s, and family’s protection and peace of mind. Critics applaud the office’s responsiveness and professionalism, and the attorneys’ creative, concise, and thoughtful legal services. The specialized focus, pragmatic and bespoke legal advice, and reasonable fees lead to long-term client satisfaction and peace of mind.
Edward M. Ober
Over ten thousand Social Security Disability claimants have been represented by our attorneys. We have decades of experience and know exactly what we're doing. Our support staff is also highly skilled. Many of our employees have worked previously for insurance companies or the Social Security Administration. They are experts in handling claims. Experience is important. An experienced lawyer and… more...
Over ten thousand Social Security Disability claimants have been represented by our attorneys. We have decades of experience and know exactly what we're doing. Our support staff is also highly skilled. Many of our employees have worked previously for insurance companies or the Social Security Administration. They are experts in handling claims. Experience is important. An experienced lawyer and legal team will increase your chances of winning your case. You can rely on your disability insurance to help you get by if you are disabled and unable to work. Social Security pays into the government's disability program. While it promises that the program will be available when you require it, many Social Security Disability claimants are denied or terminated. Without the assistance of an expert Social Security Disability lawyer, it is almost impossible to navigate this process with your medical providers.
JacksonWhite Law
JacksonWhite provides premier services and trusts to Arizona businesses and families since 1983. JacksonWhite is known for its responsiveness, effectiveness, and dedication to providing services that are tailored to our client's requirements. The firm now has 22 experienced lawyers and many support staff who pride themselves on being part of one the most prominent law firms in Phoenix's East… more...
JacksonWhite provides premier services and trusts to Arizona businesses and families since 1983. JacksonWhite is known for its responsiveness, effectiveness, and dedication to providing services that are tailored to our client's requirements. The firm now has 22 experienced lawyers and many support staff who pride themselves on being part of one the most prominent law firms in Phoenix's East Valley. JacksonWhite's size allows us to deliver the technical and efficiency of large firms while still giving our clients the personal attention they need. A Peoria elder lawyer is the best thing for you if you have been charged in a criminal case. It is important to hire an attorney who specializes in your particular case. JacksonWhite Law is home to some of the most skilled lawyers in the area. JacksonWhite Law has a variety of lawyers including criminal, family, employment, and other specialists. We can help you with any type of lawsuit. Criminal cases are not easy. You need an experienced attorney near you to assist you. We will assign you to the best criminal defense lawyer in our area who will aggressively defend your case. Our firm has been in operation for many years and can provide you with the assistance and legal advice you require.
How this Chandler long-term disability calculator works
This calculator adds two numbers. Back pay is the monthly benefit your policy should have paid (capped at the policy maximum if it has one, less any SSDI or workers' comp offset) multiplied by the months it has been unpaid. Benefits only start after your policy's waiting (elimination) period, so count unpaid months from the end of that period. Future benefits are the same monthly amount until your policy's end age (usually 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. If your benefit is taxable, it also shows roughly what you keep each month after tax.
Arizona 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. If your benefit has a cost-of-living adjustment (COLA), the calculator uses 1% instead: your payments grow with inflation, so less is taken off for the time value of money.
- 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). Workers' compensation are usually deducted too.
- 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.
- Recovery and life expectancy
- Insurers rarely pay every month to the end date: they will argue you may recover or that your condition shortens your life expectancy. These arguments are complex and differ case by case, so have an attorney assess how they apply to you.
General information about Arizona 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
10 questionsHow does the Chandler LTD settlement calculator estimate my claim?
What is back pay vs future benefits in an LTD claim?
What is a long-term disability buyout?
Why are LTD settlements below full value?
What is the deadline for appealing an LTD denial in Arizona?
How do ERISA appeals and SSDI offsets affect my LTD claim?
Is a lump sum from an LTD settlement taxable in Chandler?
What is 'own occupation' vs 'any occupation' in LTD policies?
How accurate is the Chandler LTD settlement calculator?
What should I do if my LTD claim is denied in Arizona?
General information, not legal advice — consult a licensed Arizona attorney.