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  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in California
  4. Chula Vista
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Chula Vista, CA

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

Deadlines and discount rates are for this state.

General estimate only, not legal or tax advice. No attorney–client relationship is created.

Top-rated disability lawyers in Chula Vista

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Golden State Workers Compensation Attorneys

Verified

Golden State Workers Compensation Attorneys focus exclusively on workers' compensation and personal injury cases throughout Southern California. They assist with a wide range of injuries and complex claims, including denied or delayed cases. Clients appreciate their professionalism and honest, straightforward support, though some note the challenges of navigating difficult insurance policies.

Services & Prices
Case Representation $5000 - $15000
Settlement Negotiation $1000 - $5000
Legal Representation $3000 - $20000
Medical Expense Recovery $1000 - $10000
View Profile
(619) 415-0097
Closed Now
3636 Camino Del Rio N Suite 120, San Diego, CA 92108, USA
General Services
Workers Compensation
2

Bonnici Law Group, APC

Bonnici Law Group, APC focuses on disability, personal injury, and bicycle accident cases with an emphasis on respect, transparency, and honesty. Their team guides clients through complex legal processes, often providing clear explanations and steady support. While outcomes depend on each unique case, clients appreciate the firm’s straightforward communication and genuine care.

Services & Prices
Car Accident Representation $1000 - $3000
Bicycle Accident Representation $1000 - $3000
Hit and Run Cases $1500 - $3500
Long Term Disability Claims $800 - $2500
View Profile
(858) 261-5454
Closed Now
1620 Fifth Ave Suite 625, San Diego, CA 92101, USA
General Services
Personal Injury Law
3

Cunningham Law, APC

Cunningham Law, APC focuses on employment-related disputes, including disability discrimination and wage violations. The team handles cases involving reasonable accommodations and retaliation under laws like FEHA and the ADA. Clients appreciate their clear communication and responsiveness, though some note the firm may decline cases when not in the client’s best interest.

Services & Prices
Labor Complaints $100 - $200
Discrimination Cases $150 - $300
Harassment Cases $200 - $400
Workplace Mediation $200 - $350
View Profile
(619) 349-4747
Open 00:00 - 23:59
750 B St #2840, San Diego, CA 92101, USA
General Services
Employment Law
4

Stephanie Alcala Law Offices, APC

Stephanie Alcala Law Offices APC specializes in immigration and family law, offering services such as family petitions, deportation defense, and investment visas. Clients appreciate the team’s honesty and thorough communication, though some have noted challenges with scheduling and customer service. The firm aims to provide personalized attention throughout complex immigration processes.

Services & Prices
Citizenship Application $300 - $500
Residency Process $700 - $1500
Employment-Based Visas $1000 - $2500
Divorce Proceedings $1000 - $3000
View Profile
(619) 773-7333
Closed Now
2209 Highland Ave, National City, CA 91950, USA
General Services
Immigration Services
5

Law Office of Alise M. Kellman

Specializing exclusively in Social Security cases, the Law Office of Alise M. Kellman offers focused support with disability, retirement, overpayments, and related claims. Clients appreciate the team’s clear guidance through complex procedures and responsive communication, though some find the process naturally challenging.

Services & Prices
Filing Claims $100 - $200
Appeals Representation $200 - $500
Case Preparation $150 - $300
Evidence Gathering $100 - $250
View Profile
(858) 576-0401
Closed Now
7710 Balboa Ave Suite 216E, San Diego, CA 92111, USA
General Services
Social Security Disability Assistance
Where they are 9 on the map Click a pin for the profile and directions
6

The Law Office of Meagan Nuñez

Focused on special education advocacy, this firm supports families navigating complex disability and school law issues. The team handles cases involving IEP disputes, educational rights, and related services, often guiding clients through challenging school district interactions. Clients appreciate the firm’s thorough communication and compassionate approach, though some note the process can be… more...

Focused on special education advocacy, this firm supports families navigating complex disability and school law issues. The team handles cases involving IEP disputes, educational rights, and related services, often guiding clients through challenging school district interactions. Clients appreciate the firm’s thorough communication and compassionate approach, though some note the process can be lengthy.

Services & Prices
IEP Development $200 - $300
Settlement Negotiation $300 - $500
Case Representation $500 - $1000
Filing Charges $200 - $300
View Profile
(619) 757-1290
Closed Now
3505 Camino del Rio S Suite 340, San Diego, CA 92108, USA
General Services
Special Education Advocacy
7

Iler Brooks And Virgil LLP

Iler Brooks And Virgil LLP specializes in disability claims, focusing solely on helping clients secure fair compensation for denied benefits. Their team handles private and group insurance cases with clear communication and responsiveness, though some clients have expressed concerns about settlement negotiations. Many appreciate their professionalism and compassionate approach.

Services & Prices
Personal Injury $1500 - $3000
Disability Claims $500 - $2000
Car Accident Cases $1000 - $5000
View Profile
(800) 479-2453
Closed Now
16466 Bernardo Center Dr # 281, San Diego, CA 92128, USA
General Services
Legal Representation
8

Martin Esquire & Associates, APC

Specializing in Social Security Disability and workers’ compensation cases, this firm helps clients navigate complex benefit claims and appeals. The team is known for clear communication and thorough case preparation, though some clients have noted occasional misunderstandings about treatment coverage. Many appreciate their patient, responsive approach throughout lengthy processes.

Services & Prices
Case Representation $1000 - $10000
Settlement Negotiation $500 - $5000
Claim Filing $300 - $1000
Appeals and Hearings $500 - $3000
View Profile
Closed Now
2635 Camino del Rio S Suite 104, San Diego, CA 92108, USA
General Services
Personal Injury Law
9

McLaughlin & Sanchez

Since 1995, our law firm has pursued challenging cases and reached positive results for clients. You can do the exact same thing. McLaughlin & Sanchez have more than 30 combined years of experience in worker's compensation, personal injuries, and employment law cases. Our team has helped people in San Diego and Imperial Counties receive the care and financial compensation that they needed.… more...

Since 1995, our law firm has pursued challenging cases and reached positive results for clients. You can do the exact same thing. McLaughlin & Sanchez have more than 30 combined years of experience in worker's compensation, personal injuries, and employment law cases. Our team has helped people in San Diego and Imperial Counties receive the care and financial compensation that they needed. Insurance companies employ a variety of tactics to reduce their payments. The stalling strategies lawyers employ in worker's compensation cases are well-known to us. We won't tolerate it. Our firm will not rest until you reach a positive conclusion to your case. Many ways we can assist you. Robert is a California-licensed real estate broker and can help you negotiate loan modifications. Workers who are injured can get lower mortgage payments to help them rebuild their finances.

View Profile
Open 00:00 - 23:59
7801 Mission Center Ct STE 405, San Diego, CA 92108, USA

Latest reviews of Chula Vista Disability Lawyers

Written on TrustAnalytica by clients of the businesses in this list
  • Raul

    Mr. Mike Cunningham. Your are Elite Lawyer & Great on what you did for my family & I. We are really grateful that God has Bless us with you to resolve my case within 4 months just like you gave me your word from the beginning. I am Happy that you fought for me to the end to received a lot more funds…

Chula Vista Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Golden State Workers Compensation Attorneys 4.8 57 $150 (619) 415-0097 Visit
2 Bonnici Law Group, APC 5.0 37 $700 (858) 261-5454 Visit
3 Cunningham Law, APC 4.9 27 $100 (619) 349-4747 Visit
4 Stephanie Alcala Law Offices, APC 4.2 27 $300 (619) 773-7333 Visit
5 Law Office of Alise M. Kellman 4.3 23 $100 (858) 576-0401 Visit
6 The Law Office of Meagan Nuñez 4.4 19 $100 (619) 757-1290 Visit
7 Iler Brooks And Virgil LLP 4.4 9 $500 (800) 479-2453 Visit
8 Martin Esquire & Associates, APC 4.5 8 $100 — Visit
9 McLaughlin & Sanchez 5.0 2 — — Visit

How this Chula Vista 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.

California 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.
California
California bans discretionary clauses in disability policies (Insurance Code 10110.6), so courts review denials without deferring to the insurer.

General information about California 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

8 questions
How does the long-term disability settlement calculator work?
The calculator estimates back pay owed, future benefits to age 65, their present value, and a typical lump-sum settlement range based on policy details and offsets.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your LTD claim, typically 30-75% of future benefits' present value, plus any back pay owed.
Why are LTD settlements below full value?
Settlements reflect the present value of future benefits and account for risks and uncertainties, typically ranging from 30-75% of future benefits.
What if my long-term disability claim is denied in California?
Under ERISA, file an internal appeal within 180 days. California bans discretionary clauses, so courts review denials without deferring to insurers.
Are LTD settlements taxable in California?
If premiums were employer-paid or paid with pre-tax dollars, settlements are taxable. If paid with after-tax money, they generally aren't. Seek tax advice.
What is the own-occupation vs any-occupation test?
Most LTD policies switch from covering your own occupation to any occupation after 24 months, affecting eligibility for continued benefits.
How accurate is the LTD settlement estimate?
Estimates are based on typical ranges and policy details but aren't guarantees. Actual settlements depend on specific circumstances.
What is the deadline for filing an ERISA appeal?
You must file an internal appeal within 180 days of a denial. Insurers have 45 days, plus a possible 45-day extension, to decide.

General information, not legal advice — consult a licensed California attorney.