Long-Term Disability Settlement Calculator Oakland, 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
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 Jennifer R. Solomon
5.0 · 16 reviews · Disability claims
Free claim review →
Coyle Browne Law, Professional Law Corporation
5.0 · 16 reviews · Disability claims
Free claim review →
The Law Office of Robert E. Wood
4.7 · 7 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 Oakland
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Law Offices of Jennifer R. Solomon
Specializing in Social Security Disability cases, the Law Offices of Jennifer R. Solomon offer thorough legal support for clients navigating complex benefit claims. The team is known for careful case preparation and clear communication, helping many secure approvals after previous denials. Some clients note the process can take time, but appreciate the attentive guidance throughout.
Coyle Browne Law, Professional Law Corporation
Coyle Browne Law, Professional Law Corporation focuses on disability discrimination cases, helping clients navigate claims related to physical and mental disabilities in the workplace. The team offers clear guidance and responsive communication throughout the process, with clients appreciating their direct approach and thorough attention to individual concerns. Some find initial contact requires… more...
Coyle Browne Law, Professional Law Corporation focuses on disability discrimination cases, helping clients navigate claims related to physical and mental disabilities in the workplace. The team offers clear guidance and responsive communication throughout the process, with clients appreciating their direct approach and thorough attention to individual concerns. Some find initial contact requires patience, but follow-up is prompt and informative.
The Law Office of Robert E. Wood
Specializing in workers’ compensation and Social Security disability cases since 1997, this office focuses on helping injured and disabled clients navigate both State and Federal claims. The team is known for clear communication and thorough explanations, with a friendly office environment that supports clients throughout the process.
Erlich Law Firm, P.C.
Erlich Law Firm, P.C. focuses on disability discrimination and employment law, helping clients navigate wrongful termination and retaliation claims. The team handles cases involving reasonable accommodations and fights tough legal opposition, with clients appreciating their clear communication and persistent advocacy throughout challenging disputes.
Law Office of Mark A. Vickness
One of Northern California's most prominent law firms, The Vickness Law Firm represents workers who have been injured on the job. The firm was founded by Mark Vickness and is committed to offering the best representation for injured workers. We are a small company that strives for personal attention to our clients. This website contains general information. This site does not constitute legal… more...
One of Northern California's most prominent law firms, The Vickness Law Firm represents workers who have been injured on the job. The firm was founded by Mark Vickness and is committed to offering the best representation for injured workers. We are a small company that strives for personal attention to our clients. This website contains general information. This site does not constitute legal advice. Visitors to this website are encouraged to contact an attorney if they have any questions. Vickness Law Firm is a team of experienced lawyers who are committed to offering clients personal attention and uncompromising honesty. The Vickness Law Firm has a track record of success in legal representation. They specialize in Worker's Compensation Law, and Social Security Disability Law.
Olivier & Schreiber LLP
Oakland employment attorneys of Olivier & Schreiber LLP, represent individuals against large corporations and the government in litigation, appeals, and negotiations. If your civil rights were violated, if you were wrongly terminated or harassed at work, or if you lost money from the wrongful conduct of a company, the lawyers at Olivier & Schreiber LLP, are determined to help you get justice. We… more...
Oakland employment attorneys of Olivier & Schreiber LLP, represent individuals against large corporations and the government in litigation, appeals, and negotiations. If your civil rights were violated, if you were wrongly terminated or harassed at work, or if you lost money from the wrongful conduct of a company, the lawyers at Olivier & Schreiber LLP, are determined to help you get justice. We are proud to provide representation in the following areas: Breach Of Contract Civil Appeals Class Actions Consumer Protection Discrimination Employment Agreements ERISA & Retirement Benefits Harassment Meal And Rest Break Violations Leaves Of Absence Wage & Hour Whistleblower & Retaliation Wrongful Termination.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Law Offices of Jennifer R. Solomon | 5.0 | 16 | $200 | (510) 500-9053 | Visit |
| 2 | Coyle Browne Law, Professional Law Corporation | 5.0 | 16 | $1,000 | (510) 929-4260 | Visit |
| 3 | The Law Office of Robert E. Wood | 4.7 | 7 | — | (510) 986-0260 | Visit |
| 4 | Erlich Law Firm, P.C. | 5.0 | 6 | $500 | (510) 756-2073 | Visit |
| 5 | Law Office of Mark A. Vickness | 3.7 | 3 | — | (510) 452-0400 | Visit |
| 6 | Olivier & Schreiber LLP | 3.0 | 2 | — | (415) 484-0980 | Visit |
How this Oakland 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 questionsHow does the long-term disability settlement calculator work?
Why are LTD settlements often below full value?
What is a long-term disability buyout?
How accurate is the LTD settlement estimate?
What should I do if my LTD claim is denied in California?
How does an SSDI offset affect my LTD benefits?
Are LTD settlements taxable in California?
What is the difference between 'own occupation' and 'any occupation' in LTD policies?
How is back pay calculated in LTD claims?
General information, not legal advice — consult a licensed California attorney.