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Review Keywords Analysis

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

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

1

Law Office of Melissa A. Proudian, A Professional Law Corporation

Specializing in Social Security Disability cases, this Fresno-based law office offers skilled representation and careful planning for clients in the Central Valley. The team handles SSDI claims with knowledge and patience, helping clients navigate complex benefits processes. Some clients note communication can be limited, but many appreciate the respectful and compassionate approach.

Services & Prices
SSDI Application Assistance $300 - $600
SSI Application Assistance $300 - $600
Representation in SSDI Hearings $1500 - $2500
View Profile
(559) 554-1455
Closed Now
1500 W Shaw Ave Suite 403, Fresno, CA 93711, USA
General Services
Disability Law Services
2

Berg Injury Lawyers

With nearly 40 years of experience, Berg Injury Lawyers focus on helping injured clients in Northern California navigate personal injury claims. Their team handles everything from medical bills to lost income, keeping clients informed throughout the process. Many appreciate their clear communication and consistent updates during often stressful times.

Services & Prices
Car Accident Representation $1000 - $3000
Slip and Fall Cases $2000 - $5000
Medical Malpractice Cases $5000 - $15000
View Profile
(559) 202-0371
Closed Now
516 W Shaw Ave suite 200,Fresno, CA 93704
General Services
Personal Injury Law
3

Perez, Williams, Medina & Rodriguez LLP

Known for representing farm workers and handling a wide range of injury and employment cases, Perez, Williams, Medina & Rodriguez LLP offers legal support with a focus on accessibility and respect. The team also assists with probate matters, and clients appreciate their clear communication and thorough guidance throughout the process, though some have noted it may not fit every need.

Services & Prices
Case Representation $5000 - $10000
Settlement Negotiation $3000 - $8000
Car Accident Representation $7500 - $15000
Medical Malpractice Cases $10000 - $20000
View Profile
(559) 445-0123
Closed Now
1432 E Divisadero St, Fresno, CA 93721, USA
General Services
Workers Compensation
4

Attorney Gilbert Fisher

Specializing exclusively in Workers' Compensation cases, this small Fresno firm offers a personal approach with direct attorney contact rather than passing clients to others. The team handles work injury, repetitive strain, and wrongful death claims, providing compassionate support and regular updates, though some clients note occasional delays in returning calls.

Services & Prices
Representation in Court $1000 - $3000
Settlement Negotiation $500 - $2000
Trial Representation $5000 - $10000
View Profile
(559) 554-2729
Closed Now
758 E Bullard Ave STE 100, Fresno, CA 93710, USA
General Services
Workers Compensation
5

Todd R. Tatro Attorney at Law

A certified specialist in workers' compensation with over 30 years of experience, Todd R. Tatro Attorney at Law focuses on helping injured workers navigate complex claims. The team handles difficult cases with thorough analysis and clear communication, though some clients have noted mixed experiences with office staff responsiveness.

Services & Prices
Claim Representation $1500 - $3000
Settlement Negotiation $800 - $1500
Comprehensive Medical Reviews $200 - $400
View Profile
(559) 431-0123
Closed Now
6061 N Fresno St # 108, Fresno, CA 93710, USA
General Services
Worker's Compensation
Where they are 10 on the map Click a pin for the profile and directions
6

ERISA Law Center

Specializing in appeals for wrongfully denied or terminated long-term disability benefits, ERISA Law Center has over 35 years of experience navigating the complexities of ERISA regulations. The team helps clients present detailed cases and manage extensive documentation, with many clients appreciating their responsiveness and compassionate support throughout the process. Some note that initial… more...

Specializing in appeals for wrongfully denied or terminated long-term disability benefits, ERISA Law Center has over 35 years of experience navigating the complexities of ERISA regulations. The team helps clients present detailed cases and manage extensive documentation, with many clients appreciating their responsiveness and compassionate support throughout the process. Some note that initial contact may be brief if a case is outside their scope.

Services & Prices
Claim Filing Assistance $200 - $400
Appeal Representation $500 - $1000
Lawsuit Filing $1000 - $5000
Strategy Session $250 - $500
View Profile
(559) 549-9490
Closed Now
6485 N Palm Ave Suite 105, Fresno, CA 93704, USA
General Services
Long Term Disability Representation
7

Law Offices of Bryan K. Leiser

Specializing in workers' compensation claims, the Law Offices of Bryan K. Leiser assist injured workers with cases involving permanent and temporary disabilities, denied claims, and burns. The team handles paperwork and negotiations, often helping clients regain benefits after delays. Clients appreciate their straightforward communication and persistent approach.

Services & Prices
Claim Evaluation $100 - $200
Representation in Court $1500 - $5000
Settlement Negotiation $500 - $1500
Claims Filing $200 - $400
View Profile
(559) 900-1303
Closed Now
6042 N Fresno St Suite 200, Fresno, CA 93710, USA
General Services
Personal Injury Law
8

Gary J Hill Law Offices

With over 35 years of experience, Gary J Hill Law Offices focuses on helping clients secure workers' compensation and Social Security disability benefits, including denied claims. The team works with a range of clients such as firefighters and law enforcement, and many appreciate their caring approach, though some note delays and communication issues during complex cases.

Services & Prices
Settlement Negotiation $300 - $800
Litigation Support $2000 - $5000
Accident Report Review $75 - $150
Insurance Negotiation $300 - $700
View Profile
(559) 442-4455
Closed Now
2444 Main St #170, Fresno, CA 93721, USA
General Services
Workers' Compensation
9

Richard H. Mongé Attorney At Law

Certified as a Workers' Compensation Law Specialist, this firm focuses on helping individuals injured on the job secure medical care and compensation. The team handles all types of work-related injuries, providing clear communication and timely updates throughout the legal process. Clients appreciate the friendly staff and assistance with disability paperwork.

View Profile
(559) 226-5060
Closed Now
155 E Shaw Ave Ste 101 Suite 101, Fresno, CA 93710, USA
10

Berry Smith & Bartell

With over 60 years of combined experience in workers' compensation, Berry Smith & Bartell focuses on helping clients secure permanent disability benefits in California. Their team handles claims thoroughly and offers free, confidential consultations. Clients appreciate their caring approach and willingness to advocate beyond just financial matters.

View Profile
(559) 785-0537
Closed Now
750 E Bullard Ave #103,Fresno, CA 93710

Latest reviews of Fresno Disability Lawyers

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

    Gary J. Hill and Gwen Connolly are the “Dream Team” for Fresno and outlying ares. They are amazing. I waited—it took awhile, but it was worth every second. They’re friendly, caring individuals! Thank you.

How this Fresno 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 your claim details.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered by insurers to settle your claim, typically 30-75% of future benefits' present value, plus any back pay.
Why might my LTD settlement be less than full value?
Settlements often reflect a percentage of future benefits' present value, considering factors like claim status and negotiation leverage.
What should I do if my long-term disability claim is denied in California?
Under ERISA, file an internal appeal within 180 days. California law allows court review without deferring to insurers.
Are LTD settlements taxable in California?
If premiums were paid by your employer or with pre-tax dollars, settlements are taxable. Otherwise, they generally aren't. Seek tax advice.
What is the difference between own-occupation and any-occupation in LTD policies?
Most LTD policies switch from 'own occupation' to 'any occupation' after 24 months, affecting eligibility for continued benefits.
How accurate is the LTD settlement calculator for Fresno residents?
The calculator provides estimates based on typical ranges and policy details but cannot guarantee specific outcomes.
What are the deadlines for appealing a denied LTD claim in Fresno?
Under ERISA, you must appeal within 180 days of denial. State law may have different rules for non-ERISA plans.

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