Long-Term Disability Settlement Calculator Stockton, 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).
Katzakian Law P.C.
4.8 · 28 reviews · Disability claims
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Cianchetta & Associates
4.4 · 31 reviews · Disability claims
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Ivancich & Costis, LLP
3.6 · 16 reviews · Disability claims
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General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Stockton
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Katzakian Law P.C.
Specializing in workers' compensation cases, Katzakian Law P.C. offers hands-on legal support to injured workers in California. Their team assists with claims and subsequent injury benefits, providing clear communication and thorough guidance throughout often lengthy processes. Some clients note occasional delays in initial contact, but many appreciate the attentive and knowledgeable service once… more...
Specializing in workers' compensation cases, Katzakian Law P.C. offers hands-on legal support to injured workers in California. Their team assists with claims and subsequent injury benefits, providing clear communication and thorough guidance throughout often lengthy processes. Some clients note occasional delays in initial contact, but many appreciate the attentive and knowledgeable service once engaged.
Cianchetta & Associates
Cianchetta & Associates focuses on personalized legal representation, especially for clients navigating VA disability appeals, probate, and family law matters. The team offers free consultations to evaluate cases and guide clients through their options. While many appreciate their thoroughness and patience, some have noted delays in communication.
Ivancich & Costis, LLP
Ivancich & Costis, LLP focuses on workers’ compensation, personal injury, and social security disability cases, serving many injured workers in East Contra Costa County. Their team assists with gathering and organizing medical records for disability claims, though some clients mention challenges with communication and responsiveness.
Angelina Valle & Associates
With over 30 years of experience, Angelina Valle & Associates specializes in Social Security Disability claims for those unable to work due to mental or physical conditions. The team handles cases at all stages of the disability process, with clients noting clear communication and thorough case preparation, though some mention occasional staff disorganization.
Law Office of Dennis J. Thornton
Specializing in workers' compensation and Social Security Disability cases, the Law Office of Dennis J. Thornton offers personalized legal support tailored to injured and disabled workers. The team helps clients navigate complex claims and appeals, with many appreciating their clear explanations and responsiveness, though some note occasional communication challenges.
Lott Law Offices
Ms. Lott serves as President of the Sacramento Organization of Social security Claimants Representatives. This organization organizes continuing education, bench-bar functions, and other activities with local Administrative Law Judges. Shellie Lott is currently on the Board of California Rural Legal Assistance. She also chairs the San Joaquin County Bar MCLE Committee. Additionally, she is on the… more...
Ms. Lott serves as President of the Sacramento Organization of Social security Claimants Representatives. This organization organizes continuing education, bench-bar functions, and other activities with local Administrative Law Judges. Shellie Lott is currently on the Board of California Rural Legal Assistance. She also chairs the San Joaquin County Bar MCLE Committee. Additionally, she is on the Social Security Panel for County's Lawyer Referral Service. She also serves as a sustaining member of the National Organization of Social Security Claims' Representatives ("NOSSCR") Lott Law Offices continues the legacy of Cerney Kreuze & Lott by advocating for underrepresented people and appealing to the federal courts when necessary. Our caseload continues to be dominated by district court cases. Social security cases are handled exclusively by us, so you will get the attention and expertise you require.
Law Office of Jon Marlowe
Lawyers for workers who have been injured. The Law Office Jon Marlowe has workers' compensation specialists who are Board Certified. Their attorneys are passionate and result-oriented and provide aggressive representation for workers' compensation and personal injury cases. Martin and Marlowe fight to get the benefits and rights that injured workers need. Receive the support you require in your… more...
Lawyers for workers who have been injured. The Law Office Jon Marlowe has workers' compensation specialists who are Board Certified. Their attorneys are passionate and result-oriented and provide aggressive representation for workers' compensation and personal injury cases. Martin and Marlowe fight to get the benefits and rights that injured workers need. Receive the support you require in your workers' compensation claim. For a case assessment and free consultation, contact us today. It can be stressful and overwhelming to apply for Social Security Disability Insurance or SSDI benefits. Unfortunately, many applicants get denied Social Security Disability benefits during the first stages. An experienced Social Security Disability lawyer can assist with the filing of the applications, as well as the appeals and hearing stages, if necessary. Contact my office if you have any questions about your worker's compensation case.
Latest reviews of Stockton Disability Lawyers
Written on TrustAnalytica by clients of the businesses in this list-
Nope this guy is the worst!!! No help what so ever… 500. 00 bucks and got nothing and I mean nothing. Not even what I should be doing, they knew my situation and I have never dealt with this before, and I feel they took advantage of that all the way! They wasted months of my time, and they lead me t…
About Cianchetta & Associates
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Katzakian Law P.C. | 4.8 | 28 | $150 | (209) 762-8511 | Visit |
| 2 | Cianchetta & Associates | 4.4 | 31 | $150 | (916) 685-7878 | Visit |
| 3 | Ivancich & Costis, LLP | 3.6 | 16 | $50 | (866) 432-2133 | Visit |
| 4 | Angelina Valle & Associates | 3.2 | 16 | $100 | (831) 534-3770 | Visit |
| 5 | Law Office of Dennis J. Thornton | 4.6 | 10 | $100 | (510) 900-3611 | Visit |
| 6 | Lott Law Offices | 4.5 | 2 | — | (209) 948-9384 | Visit |
| 7 | Law Office of Jon Marlowe | 5.0 | 1 | — | (209) 627-0277 | Visit |
How this Stockton 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
8 questionsHow does the long-term disability settlement calculator work?
Why might my LTD settlement be less than full value?
What should I know about LTD buyouts in California?
What happens if my LTD claim is denied in Stockton?
Are LTD settlements taxable in California?
What is the difference between own-occupation and any-occupation in LTD policies?
What is the deadline for appealing an LTD denial in California?
How accurate is the LTD settlement calculator?
General information, not legal advice — consult a licensed California attorney.