Long-Term Disability Settlement Calculator Tucson, 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
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).
Law Offices of Matthew T. Foley, PLC
4.9 · 191 reviews · Disability claims
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Rockafellow Law Firm
4.7 · 83 reviews · Disability claims
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Law Offices of John Kuhnlein
4.9 · 44 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 Tucson
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Law Offices of Matthew T. Foley, PLC
Specializing in bankruptcy and debt settlement, this office has recently expanded to include social security disability and personal injury cases. The team guides clients through complex processes with clear communication and upfront fees, helping reduce stress during difficult times. Some clients note the emotional challenge of bankruptcy, but appreciate the supportive approach throughout.
Rockafellow Law Firm
With over 40 years of combined experience, Rockafellow Law Firm focuses on personal injury and workers’ compensation cases, including slip-and-fall accidents. Clients appreciate the team’s clear communication and compassionate approach, though some note the firm prefers cases with clear liability. They assist with maximizing compensation and handling complex medical billing issues.
Law Offices of John Kuhnlein
Focused on Social Security Disability claims for neurological and orthopedic conditions, this firm treats each case with thorough attention and experience dating back to 1992. The team offers clear explanations of the process and guidance tailored especially for clients over 50. While they do not handle mental disorder claims, clients appreciate their patience and willingness to answer questions.
Brian Clymer, Attorney at Law
Specializing in Social Security Disability and workers’ compensation cases, this firm offers over 35 years of combined experience helping clients navigate complex claims. The team assists with applications, hearings, and appeals, providing clear guidance throughout the process. Clients appreciate their thorough communication and supportive approach, though some note occasional delays inherent in… more...
Specializing in Social Security Disability and workers’ compensation cases, this firm offers over 35 years of combined experience helping clients navigate complex claims. The team assists with applications, hearings, and appeals, providing clear guidance throughout the process. Clients appreciate their thorough communication and supportive approach, though some note occasional delays inherent in disability cases.
Susan Marks & Advocates, PLLC
Susan Marks & Advocates, PLLC offers both advocacy and legal services focused on disability rights throughout Arizona. The team assists clients with securing education plans and necessary community services, often guiding families through complex school systems. Clients appreciate their clear communication and knowledgeable support, though some note the process can be challenging.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Law Offices of Matthew T. Foley, PLC | 4.9 | 191 | $20 | (520) 594-1392 | Visit |
| 2 | Rockafellow Law Firm | 4.7 | 83 | No Win, No Fee | (520) 750-1800 | Visit |
| 3 | Law Offices of John Kuhnlein | 4.9 | 44 | $100 | (520) 222-9773 | Visit |
| 4 | Brian Clymer, Attorney at Law | 4.2 | 24 | $100 | (520) 323-1234 | Visit |
| 5 | Susan Marks & Advocates, PLLC | 5.0 | 10 | $100 | (480) 459-2403 | Visit |
How this Tucson 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.
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.
- 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 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.