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Review Keywords Analysis

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

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

1

Leigh Law Group

Leigh Law Group specializes in special education, education, employment, and civil rights law, offering both litigation and transactional services. Clients often appreciate the team’s knowledge and advocacy in securing educational access, though some note challenges with communication and firm responsiveness during cases.

Services & Prices
IEP Representation $200 - $500
504 Plan Advocacy $150 - $350
Manifestation Determination Meetings $300 - $600
Litigation Support $500 - $1000
View Profile
(800) 424-5297
Open 9:00 AM - 5:00 PM
582 Market St Ste 905,San Francisco, CA 94104
General Services
Special Education Law
2

The Law Offices of Daniel Feder

Specializing in workers’ rights and labor law, The Law Offices of Daniel Feder helps clients navigate disputes involving wrongful termination and workplace discrimination. The team offers detailed case reviews and cost-benefit analyses, often resolving matters through negotiation or mediation, though some clients have noted occasional communication challenges.

Services & Prices
Wrongful Termination $1500 - $5000
Discrimination Cases $2000 - $7000
Contract Review $300 - $1500
Pre-Trial Mediation $1000 - $4000
View Profile
(415) 391-9476
Open 9:30 AM - 5:30 PM
235 Montgomery St #1019, San Francisco, CA 94104, USA
General Services
Employment Law
3

The Armstrong Law Firm

Specializing in employment discrimination and harassment cases, The Armstrong Law Firm offers guidance and legal strategies to protect workers’ rights. Clients appreciate the firm’s experience and thorough explanations, though some note delays in communication and limited capacity for certain cases. The team handles complex employment law matters with a focus on achieving justice.

Services & Prices
Wrongful Termination $2000 - $5000
Sexual Harassment $2500 - $6000
Employment Discrimination $3000 - $7000
Settlement Negotiation $1500 - $3000
View Profile
(415) 619-5975
Open 9:00 AM - 5:30 PM
802 Montgomery St, San Francisco, CA 94133, USA
General Services
Employment Law
4

Ottinger Employment Lawyers

Ottinger Employment Lawyers focus exclusively on employment law, with over 20 years of experience representing executives and employees in workplace disputes. Their team handles cases involving harassment, wage issues, wrongful termination, and more, with clients appreciating their clear communication and knowledgeable guidance throughout often complex legal processes.

Services & Prices
Employment Discrimination $150 - $300
Wage and Hour Disputes $200 - $400
Severance Negotiation $100 - $250
NCA Defense $200 - $400
View Profile
(415) 508-7786
Open 8:00 AM - 6:00 PM
535 Mission St 14th floor, San Francisco, CA 94105, USA
General Services
Employment Law
5

Law Offices Of Jeremy Pasternak

With more than 25 years of experience in employment law, the Law Offices Of Jeremy Pasternak focus on helping employees and professionals navigate workplace rights and contract negotiations. The team is known for straightforward, thorough guidance and persistent advocacy, though some clients note occasional delays in communication.

Services & Prices
Legal Representation $2000 - $5000
Wage Disputes $500 - $1500
Wrongful Termination $2000 - $5000
Employee Rights $1000 - $3000
View Profile
(415) 693-0300
Open 8:00 AM - 6:00 PM
354 Pine St 5th floor, San Francisco, CA 94104, USA
General Services
Employment Law
Where they are 8 on the map Click a pin for the profile and directions
6

McCormack Law Firm

McCormack Law Firm focuses on employment law cases involving wrongful termination, unpaid overtime, discriminatory pay, and medical leave. The team provides clear communication and thorough updates throughout often lengthy cases, helping clients navigate complex legal processes with care and responsiveness. Some clients note the process can be lengthy but appreciate the firm’s consistent support.

Services & Prices
Employment Dispute Resolution $150 - $300
Employment Contract Review $100 - $250
Wrongful Termination Representation $200 - $400
Pre-Trial Preparation $300 - $600
View Profile
(415) 925-5161
Open 8:30 AM - 5:00 PM
506 Broadway, San Francisco, CA 94133, USA
General Services
Employment Law Services
7

Le Clerc & Le Clerc LLP

Le Clerc & Le Clerc LLP focuses on employment law, helping clients navigate workplace disputes and unfair treatment. The team offers clear guidance throughout legal processes and is known for thorough communication and a personal approach. Some clients note the emotional challenge of cases but appreciate the firm’s steady support.

Services & Prices
Employment Discrimination Cases $5000 - $15000
Employment Contract Review $250 - $500
Wrongful Termination Representation $3000 - $10000
Class Action Representation $10000 - $30000
View Profile
(415) 649-5229
Open 9:00 AM - 5:00 PM
155 Montgomery St Suite 1004, San Francisco, CA 94104, USA
General Services
Employment Law
8

Law Offices of Alan Adelman

Focused exclusively on representing employees in Northern California, this firm offers experienced legal advocacy in employment disputes, including disability-related cases. Clients appreciate the clear guidance through complex situations and the attentive support provided throughout each step, though some note the process can require patience. The team emphasizes realistic advice and fair… more...

Focused exclusively on representing employees in Northern California, this firm offers experienced legal advocacy in employment disputes, including disability-related cases. Clients appreciate the clear guidance through complex situations and the attentive support provided throughout each step, though some note the process can require patience. The team emphasizes realistic advice and fair outcomes.

Services & Prices
Hostile Work Environment Representation $300 - $500
Employment Contract Review $100 - $200
Wrongful Termination Cases $350 - $700
Mediation Services $200 - $400
View Profile
(415) 906-3331
Open 9:00 AM - 5:00 PM
39 Mesa St #209,San Francisco, CA 94129
General Services
Employment Law

Latest reviews of San Francisco Disability Lawyers

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

    I hired Kelly for an employment case and at the end they (her partner) made a major error at the end and refused to fix it. She got aggressive with me over the phone. The mistake made it very difficult for future employment. I would have been better off not hiring her team and the amount of money I…

  • Corrie

    Leigh Law group has helped us tremendously! We have depended on them with great success! Mandy, Jay, Damien, and their associates have all been very professional and we won our case on 17 counts! The school district appealed, and then we won the appeal in federal court! Now our child is getting the…

San Francisco Disability Lawyers stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Leigh Law Group 4.7 41 $100 (800) 424-5297 Visit
2 The Law Offices of Daniel Feder 4.6 37 $300 (415) 391-9476 Visit
3 The Armstrong Law Firm 4.5 31 $1,000 (415) 619-5975 Visit
4 Ottinger Employment Lawyers 4.8 25 $100 (415) 508-7786 Visit
5 Law Offices Of Jeremy Pasternak 4.5 15 $300 (415) 693-0300 Visit
6 McCormack Law Firm 5.0 11 $100 (415) 925-5161 Visit
7 Le Clerc & Le Clerc LLP 5.0 11 $250 (415) 649-5229 Visit
8 Law Offices of Alan Adelman 5.0 9 $100 (415) 906-3331 Visit

How this San Francisco 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?
It 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.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your claim. It's usually 30-75% of future benefits' present value, plus any back pay owed.
Why are LTD settlements below full value?
Settlements account for the uncertainty and time value of money, typically offering 30-75% of future benefits' present value.
What 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 under ERISA.
How does ERISA affect my LTD claim in San Francisco?
ERISA governs most employer plans, requiring an internal appeal before suing. California bans discretionary clauses, so courts review denials independently.
Does SSDI offset affect my LTD benefits?
Yes, most policies reduce LTD benefits by any SSDI received, affecting the total monthly benefit.
Are LTD settlements taxable in California?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax money, they are generally not. Consult a tax advisor.
What is the 'own occupation' vs 'any occupation' test?
Most policies switch from covering your own occupation to any occupation after 24 months, affecting benefit eligibility.
How accurate is the LTD settlement calculator?
The calculator provides estimates based on typical ranges and policy details, but actual settlements depend on specific circumstances.

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