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

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

1

Eason & Tambornini, A Law Corporation

Eason & Tambornini, A Law Corporation focuses on workers' compensation and personal injury cases, including car accidents and workplace injuries. Their team is praised for clear communication, responsiveness, and guiding clients through complex legal processes. Some clients note that case timelines can vary, but the firm maintains a strong commitment to client needs.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Personal Injury Claims No Win, No Fee
View Profile
(916) 438-1819
Closed Now
1234 H St #200, Sacramento, CA 95814, USA
General Services
Workers' Compensation Claims
2

Berg Injury Lawyers

Berg Injury Lawyers brings over 40 years of experience handling personal injury cases across Northern California. Their team works together to manage legal needs related to accidents, with clients noting helpful, sympathetic staff and clear communication. Some have found case progress slow or felt less supported when cases were transferred.

Services & Prices
Car Accident Representation $5000 - $15000
Truck Accident Representation $10000 - $20000
Motorcycle Accident Representation $7000 - $18000
Health Insurance Claims $300 - $2000
View Profile
(916) 546-5163
Closed Now
2277 Watt Ave 2nd Floor, Sacramento, CA 95825, USA
General Services
Personal Injury Law
3

David Allen & Associates

David Allen & Associates focuses on Social Security Disability, Long Term Disability, and Personal Injury cases across California and the West. The team assists clients with benefit applications and disability hearings, often providing clear answers and steady support. Some clients note communication can be inconsistent during lengthy cases.

Services & Prices
Social Security Disability Claims $250 - $400
Long-term Disability Claims $300 - $500
Supplemental Security Income (SSI) Claims $200 - $350
Court Representation $500 - $1000
View Profile
(916) 455-4800
Closed Now
5230 Folsom Blvd, Sacramento, CA 95819, USA
General Services
Disability Claims
4

Castle Law: California Employment Counsel, PC

Castle Law offers employment law representation for both employees and employers, providing a balanced perspective that informs their approach. The team handles civil litigation and is known for clear communication, quick resolutions, and thorough case management. Clients appreciate their professionalism and responsiveness throughout the process.

Services & Prices
Discrimination Claims $2000 - $5000
Labor Disputes $1500 - $4000
Settlement Negotiation $1000 - $3000
Trial Representation $5000 - $15000
View Profile
(916) 245-0122
Closed Now
2999 Douglas Blvd Suite 180-104, Roseville, CA 95661, USA
General Services
Employment Law
5

Tom R Johnson Attorney at Law

Specializing in workers' compensation law for over 25 years, Tom R Johnson Attorney at Law helps injured workers secure benefits including medical care, temporary and permanent disability compensation, and vocational rehabilitation. Clients appreciate the clear explanations, responsiveness, and thorough support throughout complex cases involving insurance companies and social security disability.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Consultation $100 - $200
View Profile
(916) 922-9902
Closed Now
865 Howe Ave Suite 205, Sacramento, CA 95825, USA
General Services
Workers' Compensation Claims
Where they are 10 on the map Click a pin for the profile and directions
6

ThybergLaw

Specializing in employment-related legal matters, ThybergLaw focuses on resolving workplace disputes with an emphasis on avoiding court when possible. The team handles cases involving harassment, wrongful termination, and discrimination, offering honest assessments and clear guidance. Some clients find communication brisk, but many appreciate the firm’s responsiveness and straightforward advice.

Services & Prices
Representation in Dismissal Cases $2000 - $5000
Negotiating Employment Contracts $300 - $700
View Profile
(916) 282-0459
Closed Now
428 J St 4th Fl,Sacramento, CA 95814
General Services
Employment Law
7

Robert M. Smolich

Certified in workers’ compensation law, this firm focuses on disability and related claims, maintaining up-to-date knowledge of regulations. The team offers supportive consultations, especially for clients seeking assistance before obtaining a Qualified Medical Evaluation (QME). Some clients note limited help if contacting after a QME has been completed.

Services & Prices
Disability Claims $1000 - $2000
Workers' Compensation Cases $1500 - $3000
Personal Injury Cases $2000 - $5000
Application Forms $50 - $100
View Profile
(916) 443-2988
Closed Now
3200 J St, Sacramento, CA 95816, USA
General Services
Legal Representation
8

Doug Jaffe La​​​w​

Our Mission at Doug Jaffe Law​ firm is to provide you with the most aggressive representation possible. It is our goal to make sure that you receive all of the benefits that you are entitled to. Our office handles a variety of legal issues. We provide representation for Workers’ Compensation, Social Security Disability, Auto Accidents, Personal Injury, Unlawful Termination, & Environmental Law.… more...

Our Mission at Doug Jaffe Law​ firm is to provide you with the most aggressive representation possible. It is our goal to make sure that you receive all of the benefits that you are entitled to. Our office handles a variety of legal issues. We provide representation for Workers’ Compensation, Social Security Disability, Auto Accidents, Personal Injury, Unlawful Termination, & Environmental Law. Whatever your legal requirements may be, our office is prepared to offer representation at the highest level of integrity & personal service. Our attorney Douglas Edward Jaffe has been practicing law for over 40 years since graduating from the University of California – Berkeley in 1979.

View Profile
(916) 381-2011
Closed Now
845 University Ave, Sacramento, CA 95825, USA
9

Brennan Defense Attorney

Our criminal defense firm does not care about whether you need to fight. What matters most is how you fight. If you are facing criminal charges in Sacramento, our experienced criminal lawyer will help to build a solid case. It is crucial that you retain an attorney as soon as you are arrested. J.P. Brennan is available to meet you at the police station, courthouse, or office of your choice in… more...

Our criminal defense firm does not care about whether you need to fight. What matters most is how you fight. If you are facing criminal charges in Sacramento, our experienced criminal lawyer will help to build a solid case. It is crucial that you retain an attorney as soon as you are arrested. J.P. Brennan is available to meet you at the police station, courthouse, or office of your choice in order to assist you if you are charged with a crime. To learn how our Sacramento criminal defense attorney can assist you, contact us today for a complimentary consultation.

View Profile
(916) 498-1776
Closed Now
901 H St #200, Sacramento, CA 95814, USA
10

Katzakian Law P.C.

The Katzakian Law P.C. is a great choice for workers' compensation lawyers if you reside in California. The Katzakian Law P.C. is ready to assist. Bo Katzakian, an attorney with more than 10 years of experience has a track record of success in obtaining results for those who have been injured at work. To serve you better we offer local, hands-on representation with fully-equipped law offices in… more...

The Katzakian Law P.C. is a great choice for workers' compensation lawyers if you reside in California. The Katzakian Law P.C. is ready to assist. Bo Katzakian, an attorney with more than 10 years of experience has a track record of success in obtaining results for those who have been injured at work. To serve you better we offer local, hands-on representation with fully-equipped law offices in San Jose and Stockton. Their insurance company and employer know the best ways to deny or limit workers' claims for compensation. Workers who are facing the system on their own face many obstacles to overcome. We help injured workers get the benefits and medical care they need. Attorney Bo Katzakian, along with our team of experienced professionals, can help you provide the aggressive services you require at this time. Our team will quickly get to work for you. Find out why you need a lawyer immediately.

View Profile
Closed Now
3508 Cody Way Suite 100G, Sacramento, CA 95864, USA
Sacramento Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Eason & Tambornini, A Law Corporation 4.9 290 No Win, No Fee (916) 438-1819 Visit
2 Berg Injury Lawyers 4.7 100 $300 (916) 546-5163 Visit
3 David Allen & Associates 4.1 35 $200 (916) 455-4800 Visit
4 Castle Law: California Employment Counsel, PC 4.9 20 $1,000 (916) 245-0122 Visit
5 Tom R Johnson Attorney at Law 4.7 18 $100 (916) 922-9902 Visit
6 ThybergLaw 3.8 9 $300 (916) 282-0459 Visit
7 Robert M. Smolich 3.3 7 $50 (916) 443-2988 Visit
8 Doug Jaffe La​​​w​ 3.0 3 — (916) 381-2011 Visit
9 Brennan Defense Attorney 3.0 2 — (916) 498-1776 Visit
10 Katzakian Law P.C. 5.0 1 — — Visit

How this Sacramento 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, future benefits to age 65, their present value, and a typical lump-sum settlement range based on your claim status, policy type, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered by insurers to settle your future benefits. It usually ranges from 30-75% of the present value of those benefits, depending on claim status.
Why are LTD settlements below full value?
Insurers offer less than full value to account for uncertainties like life expectancy and potential return to work. Settlements typically range from 30-75% of future benefits' present value.
What should I do if my long-term disability claim is denied in California?
Under ERISA, you must file an internal appeal within 180 days. California law applies if your plan is not ERISA-governed, allowing possible state court action.
Is a lump-sum LTD settlement taxable in Sacramento?
If your employer paid premiums or you used pre-tax dollars, settlements are taxable. If paid with after-tax money, they generally aren't. Consult a tax advisor.
What is the difference between 'own occupation' and 'any occupation'?
Many LTD policies switch from covering your 'own occupation' to 'any occupation' after 24 months, making it harder to qualify for benefits.
How accurate is the LTD settlement calculator for Sacramento?
The calculator provides estimates based on typical ranges and your inputs. It's a general guide, not a guarantee of specific outcomes.
What are the deadlines for ERISA appeals in California?
You must file an internal appeal within 180 days of denial. The insurer generally has 45 days, plus a possible 45-day extension, to decide.
Can I get bad-faith damages for a denied LTD claim in California?
If your plan isn't governed by ERISA, you might sue in state court for bad-faith damages. These are not included in the calculator's estimate.

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