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

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

1

W Employment Law

W Employment Law focuses on employment cases involving wrongful termination, wage violations, and class actions for California employees. The team handles both individual and multi-plaintiff cases, often keeping clients informed and supported throughout the process, though some have noted occasional delays in communication.

Services & Prices
Mediation Representation $1000 - $3000
Trial Representation $5000 - $20000
Settlement Negotiation $1500 - $10000
Legal Document Review $150 - $300
View Profile
(949) 674-4922
Closed Now
7700 Irvine Center Dr Suite 930, Irvine, CA 92618, USA
General Services
Legal Representation
2

Aegis Law Firm

Specializing in disability and employment discrimination cases, Aegis Law Firm focuses on protecting workers’ rights under laws like FEHA. The team handles issues including sexual harassment, pregnancy discrimination, and wrongful termination, with many clients appreciating their responsiveness and clear communication. A few have noted delays in callbacks during initial contact.

Services & Prices
Wrongful Termination $1000 - $3000
Workplace Discrimination $1500 - $3500
Wage and Hour Claims $800 - $2500
Motor Vehicle Accidents $3000 - $5000
View Profile
(949) 379-6250
Closed Now
9811 Irvine Center Dr #100, Irvine, CA 92618, USA
General Services
Employment Law
3

American Advocacy Group

American Advocacy Group specializes in advocacy for individuals with disabilities, focusing on personalized support to help families navigate complex systems. Their team works closely with clients to identify the right documentation and legal options, often assisting with IHSS services. While some have noted occasional communication issues, many appreciate their attentive and caring approach.

Services & Prices
Initial Assessment Support $750 - $1000
Appeal Process Guidance $500 - $1000
Interview Preparation $300 - $500
IEP Meeting Representation $300 - $500
View Profile
(877) 762-0702
Closed Now
2082 Business Center Dr suite 235, Irvine, CA 92612, USA
General Services
IHSS Assistance
4

Ray & Seyb Employment Attorneys

Ray & Seyb Employment Attorneys focus on protecting the rights of employees facing harassment, discrimination, and wage disputes. They assist with cases involving unlawful conduct and wage withholding, offering consultations at two Orange County locations. Clients appreciate the team’s clear communication and supportive approach throughout the process.

Services & Prices
Wrongful Termination $3000 - $10000
Wage and Hour Disputes $2000 - $8000
FMLA Cases $2500 - $7500
Misdemeanor Defense $1500 - $5000
View Profile
(949) 423-6552
Open 00:00 - 23:59
17671 Irvine Blvd suite 208-a, Tustin, CA 92780, USA
General Services
Employment Law
5

Harris Grombchevsky LLP

Harris Grombchevsky LLP focuses on employment discrimination cases, helping clients in Orange County navigate claims involving unfair treatment at work. The team handles lawsuits related to retaliation, harassment, and wrongful termination, providing clear explanations and steady support throughout the process. Clients appreciate their responsiveness and straightforward communication, though… more...

Harris Grombchevsky LLP focuses on employment discrimination cases, helping clients in Orange County navigate claims involving unfair treatment at work. The team handles lawsuits related to retaliation, harassment, and wrongful termination, providing clear explanations and steady support throughout the process. Clients appreciate their responsiveness and straightforward communication, though legal proceedings can naturally be challenging.

Services & Prices
Wrongful Termination $2000 - $5000
Discrimination Cases $2500 - $6000
Harassment Claims $1500 - $4000
Employment Arbitration $3000 - $8000
View Profile
(949) 264-0214
Closed Now
2070 Business Center Dr Suite 285, Irvine, CA 92612, USA
General Services
Employment Law
Where they are 9 on the map Click a pin for the profile and directions
6

Badame Law Group, APC

Badame Law Group, APC focuses on employment law, representing employees facing discrimination and wrongful termination. Their team handles complex cases involving workplace harassment, unpaid overtime, and denied protected leave, guiding clients through often overwhelming legal challenges. Clients appreciate their responsiveness, clear communication, and straightforward approach throughout the… more...

Badame Law Group, APC focuses on employment law, representing employees facing discrimination and wrongful termination. Their team handles complex cases involving workplace harassment, unpaid overtime, and denied protected leave, guiding clients through often overwhelming legal challenges. Clients appreciate their responsiveness, clear communication, and straightforward approach throughout the process.

Services & Prices
Employee Rights Litigation $5000 - $10000
Wrongful Termination Claims $4000 - $8000
Discrimination Cases $3000 - $7000
Pre-Litigation Settlement Negotiation $2000 - $6000
View Profile
(949) 393-4249
Closed Now
9891 Irvine Center Dr Suite 200, Irvine, CA 92618, USA
General Services
Employment Law
7

Manning Law, APC

Manning Law, APC focuses on personal injury cases, working on a contingency fee basis so clients pay only if compensation is recovered. The firm handles claims related to medical bills, lost wages, and pain and suffering, with a high volume of cases informing their approach. Some clients appreciate their support and communication, though others have reported inconsistent case management.

Services & Prices
Legal Representation $2000 - $5000
Settlement Negotiation $1500 - $4000
Mortgage Litigation $3000 - $7000
Civil Litigation $2500 - $6000
View Profile
(800) 783-5006
Closed Now
20062 SW Birch St Suite 200, Newport Beach, CA 92660, USA
General Services
Personal Injury Law
8

The Law Offices of Michael P. Kalish

Focusing exclusively on Social Security Disability cases, this firm guides clients through benefits claims, appeals, and hearings before Administrative Law Judges. The team assists with paperwork and obtaining medical records, aiming to simplify a complex process. While many find their clear explanations and support helpful, some clients have reported less satisfactory experiences.

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(714) 548-3292
Closed Now
300 Spectrum Center Dr #400, Irvine, CA 92618, USA
9

Eldessouky Law

Eldessouky law at (714) 409-8991 provides representation to individuals who are disabled and have suffered workplace discrimination. It is a sad fact that workplace discrimination can take many forms. This type of mistreatment is especially dangerous in the workplace. To help you take proactive measures to safeguard your legal rights, here are some facts and figures about disability… more...

Eldessouky law at (714) 409-8991 provides representation to individuals who are disabled and have suffered workplace discrimination. It is a sad fact that workplace discrimination can take many forms. This type of mistreatment is especially dangerous in the workplace. To help you take proactive measures to safeguard your legal rights, here are some facts and figures about disability discrimination. Discrimination in the workplace is when workers are treated differently or unfairly because they have a disability. This is legally known as discrimination at work for a worker who experiences disparate, or even negative treatment because of a mental or physical disability. It is against the law to unfairly treat an employee because they have a disability. Employees with a history or disability (e.g., cancer in remission) are also protected. The law also protects employees who are married to someone with a disability.

View Profile
(949) 868-7798
Open 9:00 AM - 7:00 PM
2102 Business Center Dr Suite 481, Irvine, CA 92612, USA
Irvine Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 W Employment Law 4.8 71 $100 (949) 674-4922 Visit
2 Aegis Law Firm 4.6 60 $500 (949) 379-6250 Visit
3 American Advocacy Group 4.1 44 $50 (877) 762-0702 Visit
4 Ray & Seyb Employment Attorneys 4.8 26 $1,500 (949) 423-6552 Visit
5 Harris Grombchevsky LLP 5.0 22 $1,500 (949) 264-0214 Visit
6 Badame Law Group, APC 5.0 9 $1,000 (949) 393-4249 Visit
7 Manning Law, APC 2.8 16 $1,500 (800) 783-5006 Visit
8 The Law Offices of Michael P. Kalish 4.0 6 — (714) 548-3292 Visit
9 Eldessouky Law 5.0 4 — (949) 868-7798 Visit

How this Irvine 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

9 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 status and policy details.
Why might my LTD settlement be less than full value?
Settlements often range from 30-75% of future benefits' present value, reflecting uncertainties and negotiation factors. Back pay is added separately.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered instead of ongoing monthly benefits. It typically reflects a percentage of the present value of future benefits.
How do ERISA appeals work for denied LTD claims in California?
You must file an internal appeal within 180 days of denial. The insurer usually has 45 days, plus one 45-day extension, to decide.
What is the difference between back pay and future benefits?
Back pay covers missed payments from the past. Future benefits are potential payments until age 65, discounted to present value for a settlement.
How does California law affect LTD claims?
California bans discretionary clauses, so courts review denials without deferring to insurers, potentially aiding claimants.
Is a lump-sum LTD settlement taxable in Irvine?
If premiums were paid with pre-tax dollars or by your employer, settlements are taxable. After-tax payments generally mean non-taxable settlements. Consult a tax advisor.
What is the 'own occupation' vs 'any occupation' test?
Most LTD policies switch from 'own occupation' to 'any occupation' after 24 months, affecting eligibility based on work ability.
What should I do if my LTD claim is denied in Irvine?
File an internal appeal within 180 days. Consider consulting a disability attorney for guidance on ERISA or state law options.

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