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Review Keywords Analysis

  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in California
  4. San Jose
  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 Jose, 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 Jose

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

1

Law Offices of Andrew B. Shin

Specializing in workers' compensation cases, the Law Offices of Andrew B. Shin assist injured employees and their families navigating complex claims. The team handles paperwork and legal challenges with care, often communicating in both English and Spanish. Clients appreciate their attentiveness, though reaching the staff can sometimes require patience.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Settlement Assistance No Win, No Fee
View Profile
(408) 615-1155
Closed Now
540 Bird Ave., San Jose, CA 95125, USA
General Services
Workers' Compensation Claims
2

Laporte Law Firm

With over 40 years of experience, LaPorte Law Firm specializes in guiding clients through Social Security disability claims and benefits. The team is known for breaking down complex processes into understandable steps and staying responsive throughout each case. Some clients note repeated questions during preparation, but appreciate the firm’s ongoing support and clear communication.

Services & Prices
Appeals Assistance $300 - $600
Hearing Representation $500 - $1000
Application Assistance $150 - $300
Eligibility Evaluation $100 - $200
View Profile
Closed Now
1900 The Alameda Suite 500, San Jose, CA 95126, USA
General Services
Social Security Disability Representation
3

Ratto Law Firm

Ratto Law Firm focuses on workers’ compensation cases, helping clients navigate the challenges of workplace injuries. The team handles claims with regular updates and clear communication, though a few clients have noted occasional delays in responsiveness. Many appreciate their professionalism and genuine attention to each case.

Services & Prices
Claim Filing $200 - $500
Settlement Negotiation $300 - $800
Dispute Resolution $500 - $1500
Accident Claim $250 - $600
View Profile
(408) 293-9300
Closed Now
1871 The Alameda #425, San Jose, CA 95126, USA
General Services
Workers' Compensation
4

Robert T Bledsoe Law Offices

With 50 years of experience representing injured workers, Robert T Bledsoe Law Offices focuses on workers' compensation and Social Security cases. The team handles complex claims that others may avoid, guiding clients through lengthy processes with thorough attention. Clients appreciate their ongoing support and dedication throughout long cases.

Services & Prices
Case Representation $1000 - $5000
Settlement Negotiation $500 - $2000
View Profile
(408) 298-4606
Closed Now
330 W Hedding St #100, San Jose, CA 95110, USA
General Services
Workers Compensation
5

Tollner Law Offices

Specializing in special education law, Tollner Law Offices assists clients with issues like school refusal, bullying, disability discrimination, and securing regional center services. The team is known for clear communication and patient guidance through complex educational challenges, though some cases may require extended involvement to see results.

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(408) 286-3081
Closed Now
1550 The Alameda, San Jose, CA 95126, USA
Where they are 8 on the map Click a pin for the profile and directions
6

Carlo Law Group

Our San Jose disability law office has many years of expertise helping clients suffering from severe disabilities or work-related injuries to get the benefits and compensation they deserve. We have years of experience in securing workers' compensation and Social Security Disability Insurance (SSDI), benefits for clients who were denied or delayed.

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(408) 292-2003
Closed Now
1210 Park Ave, San Jose, CA 95126, USA
7

Sackett & Associates

With 38 years of experience handling Social Security Disability claims, Sackett & Associates focuses on guiding clients through the complexities of disability benefits. They assist with all stages of the application and appeals process, and while some clients note delays in communication, many appreciate the team’s persistence and clear explanations throughout lengthy cases.

Services & Prices
Appeal Representation $500 - $1000
ALJ Hearing Representation $1000 - $2000
Application Assistance $200 - $400
View Profile
(408) 295-7755
Closed Now
1055 Lincoln Ave, San Jose, CA 95125, USA
General Services
Disability Legal Assistance
8

Scott E. Shaffman Attorney At Law

Scott Shaffman Attorney At Law is the best choice if you are looking for an attorney that actively pursues justice. His decades-long experience in making insurance companies pay has helped him to make them happy. He uses his vast experience and knowledge to assist his clients in San Jose and Monterey with their disability insurance claims. Scott Shaffman is a professional who has worked with… more...

Scott Shaffman Attorney At Law is the best choice if you are looking for an attorney that actively pursues justice. His decades-long experience in making insurance companies pay has helped him to make them happy. He uses his vast experience and knowledge to assist his clients in San Jose and Monterey with their disability insurance claims. Scott Shaffman is a professional who has worked with clients for over 35 years. To ensure his expertise in a specific field, he specializes only in certain cases. Your case will be accepted on contingency. This means that there's no cost until you win. Each case is different and will be handled in a unique way. You can also make house calls to have a consultation about your case.

View Profile
(408) 418-4625
Closed Now
111 N Market St Ste 300, San Jose, CA 95113, USA

Latest reviews of San Jose Disability Lawyers

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

    These guys reviewed my case and turned me down with no explanation. I have 3 qualifying disabilities and asked them for help. They called me and said they would not take my case. I asked why and was told they don't give reasons. So I have no idea why I was rejected. They gave no advice or did not re…

San Jose Disability Lawyers stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Law Offices of Andrew B. Shin 4.8 80 $200 (408) 615-1155 Visit
2 Laporte Law Firm 4.8 53 $100 — Visit
3 Ratto Law Firm 4.8 27 $200 (408) 293-9300 Visit
4 Robert T Bledsoe Law Offices 4.7 15 $500 (408) 298-4606 Visit
5 Tollner Law Offices 5.0 12 — (408) 286-3081 Visit
6 Carlo Law Group 4.2 6 — (408) 292-2003 Visit
7 Sackett & Associates 4.0 6 $200 (408) 295-7755 Visit
8 Scott E. Shaffman Attorney At Law 5.0 4 — (408) 418-4625 Visit

How this San Jose 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, and typical lump-sum settlement ranges based on your claim status, policy type, monthly benefit, SSDI offset, age, and months unpaid.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your disability claim. It's typically 50-75% of future benefits if still paid, 40-70% if cut off, and 30-60% if denied.
How accurate is the long-term disability settlement estimate?
The estimate uses typical ranges and your specific inputs. It provides a general idea but isn't a guarantee of settlement value.
Why are LTD settlements below full value?
Settlements are discounted to reflect the uncertainty of future payments and the insurer's risk assessment.
What is the deadline to appeal a denied LTD claim in California?
Under ERISA, you must appeal within 180 days of denial. California bans discretionary clauses, so courts review denials without deferring to insurers.
How does an SSDI offset affect my LTD benefits?
Most policies reduce LTD benefits by any SSDI received. This offset can affect both ongoing benefits and settlement calculations.
Is a lump-sum LTD settlement taxable?
If premiums were paid with pre-tax dollars or by your employer, settlements are taxable. If paid with after-tax money, they generally aren't. Seek tax advice.
What is the 'own occupation' vs 'any occupation' test in LTD policies?
Most LTD policies switch from 'own occupation' to 'any occupation' after 24 months, affecting eligibility for continued benefits.
What should I do if my LTD claim is denied in San Jose?
File an internal appeal within 180 days if under ERISA. Consider consulting a disability attorney for guidance specific to your case.

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