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Review Keywords Analysis

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

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 Aurora

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

1

Bachus & Schanker, LLC.

Bachus & Schanker, LLC focuses on helping personal injury victims in the Englewood area navigate their claims and secure fair compensation. Their team handles cases with care and clear communication, often noted for being responsive and compassionate throughout the process. Some clients mention that the initial steps can feel slow, but the ongoing support remains strong.

Services & Prices
Car Accident Representation $1500 - $3000
Workplace Injury Claims $1000 - $2500
Impaired Driving Victim Support $2000 - $3500
Emotional Support Counseling $50 - $150
View Profile
(303) 222-2222
Open 00:00 - 23:59
500 W Hampden Ave Suite 100, Englewood, CO 80110, USA
General Services
Personal Injury Law
2

James Abrams, Ph.D., J.D., Law Offices of James Abrams

With over three decades of experience including work as a federal prosecutor and corporate counsel, this law office focuses on employment, labor, and disability-related cases. The team handles appeals, discrimination claims, and proceedings before state agencies, offering clear communication and strategic guidance. Clients appreciate their responsiveness and thorough approach, though the… more...

With over three decades of experience including work as a federal prosecutor and corporate counsel, this law office focuses on employment, labor, and disability-related cases. The team handles appeals, discrimination claims, and proceedings before state agencies, offering clear communication and strategic guidance. Clients appreciate their responsiveness and thorough approach, though the attorney’s busy schedule means patience is sometimes needed.

Services & Prices
Unemployment Appeals $100 - $300
Wrongful Termination $200 - $500
Workplace Discrimination $150 - $400
Civil Rights Violations $200 - $600
View Profile
(303) 321-6087
Open 8:00 AM - 5:00 PM
401 Westwood Dr, Denver, CO 80206, USA
General Services
Employment Law
3

Boesen Law

Boesen Law focuses on helping seriously injured individuals and families through personal injury and workers’ compensation cases. The team guides clients toward fair settlements that cover medical bills, lost wages, and other damages, with a supportive approach that many find reassuring. Some clients note occasional difficulties with certain staff members during the process.

Services & Prices
Car Accident Claims $5000 - $15000
Bodily Injury Claims $3000 - $12000
Workplace Injury Claims $4000 - $10000
Legal Representation $3000 - $8000
View Profile
Open 8:30 AM - 5:00 PM
4100 E Mississippi Ave, Denver, CO 80246, USA
General Services
Personal Injury Law
4

Silvern & Bulger P.C.

Specializing in disability and personal injury claims, Silvern & Bulger P.C. has represented disabled Coloradans since 1977. The team handles cases involving long-term and short-term disability, ERISA, car accidents, and insurance disputes, with clients appreciating their clear communication and patient, personalized approach. Some find the process detailed but manageable with their guidance.

Services & Prices
Short Term Disability Claims $200 - $300
Long Term Disability Claims $250 - $400
ERISA Appeals $300 - $500
Car Accident Claims $300 - $600
View Profile
(303) 292-0044
Open 8:00 AM - 5:00 AM
363 S Harlan St #205, Lakewood, CO 80226, USA
General Services
Disability Law
5

Alverson + O'Brien, P.C.

Alverson + O’Brien, P.C. focuses exclusively on worker’s compensation and Social Security disability cases, guiding clients through complex claims with up-to-date knowledge of relevant laws. The team assists with establishing permanent and total disability, and clients appreciate their clear communication and attentive support throughout often lengthy processes.

Services & Prices
Claim Filing Assistance $500 - $1000
Representation in Hearings $1000 - $2000
View Profile
(303) 993-8882
Open 8:00 AM - 5:00 PM
1888 Sherman St Suite 403, Denver, CO 80203, USA
General Services
Workman's Compensation
Where they are 9 on the map Click a pin for the profile and directions
6

Law Office of O'Toole & Sbarbaro, PC

With over 35 years of experience in Workers’ Compensation and Social Security Disability cases, the Law Office of O’Toole & Sbarbaro, PC focuses on helping clients secure the benefits they deserve. The team is known for clear, honest communication and treating clients with respect, though some find the process lengthy.

Services & Prices
Representation in Claims $1000 - $3000
Appeals for Denied Claims $500 - $1500
Contract Drafting $200 - $500
Legal Document Review $100 - $300
View Profile
(303) 595-4777
Open 9:00 AM - 3:00 PM
226 W 12th Ave, Denver, CO 80204, USA
General Services
Workers Compensation
7

Shapiro Family Law

Shapiro Family Law focuses on family law matters, including divorce, child custody, property division, and support, with particular experience in complex financial cases. The team is known for providing individual attention and clear communication, though some clients have found results vary depending on the case. Their approach balances legal strategy with care for clients’ emotional well-being.

Services & Prices
Contested Divorce $1500 - $3000
Uncontested Divorce $500 - $1500
Divorce Mediation $1000 - $2000
Joint Custody Agreements $1000 - $2000
View Profile
(303) 695-0200
Open 8:30 AM - 5:30 PM
8751 E Hampden Ave Suite B-5, Denver, CO 80231, USA
General Services
Divorce Representation
8

Vincent & Romeo, LLC

Vincent, Romeo & Rodriguez, LLC offers a unique Life Care Planning service that supports families navigating long-term elder care. Their team combines legal expertise with social work to assist with Medicaid eligibility, care placement, and estate planning, often easing complex decisions. Clients appreciate the compassionate guidance, though some note the cost can be significant.

Services & Prices
Application Submission Support $500 - $800
Appeals Assistance $300 - $500
Senior Community Placement $1500 - $2500
Nursing Home Placement $2000 - $3000
View Profile
(303) 500-5859
Open 8:30 AM - 5:00 PM
5460 S Quebec St Suite 333, Englewood, CO 80111, USA
General Services
Medicaid Application Assistance
9

Paula M Tomko, Attorney at Law

Specializing in Social Security Disability benefits since 1984, this law office offers personalized support for clients navigating complex claims and estate planning. The team is known for clear communication and a caring approach, though some clients note delays in paperwork processing. They serve individuals across Denver and the Front Range.

Services & Prices
Estate Planning $200 - $500
Estate Administration $300 - $800
Probate Services $500 - $1500
Representation for Commitment Hearings $500 - $1200
View Profile
(303) 940-0306
Open 9:00 AM - 5:00 PM
7827 W 38th Ave, Wheat Ridge, CO 80033, USA
General Services
Estate Law

Latest reviews of Aurora Disability Lawyers

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

    Highly recommend. Tom handled my appeal and argued my case brilliantly. He was easy to work with, communicated clearly, and navigated my medical limitations with grace and kindness. He seems to be in the legal field for the right reasons -- to help people who cannot help themselves. I shopped around…

Aurora Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Bachus & Schanker, LLC. 5.0 100 $50 (303) 222-2222 Visit
2 James Abrams, Ph.D., J.D., Law Offices of James Abrams 4.9 80 $100 (303) 321-6087 Visit
3 Boesen Law 4.9 74 $1,000 — Visit
4 Silvern & Bulger P.C. 5.0 61 $200 (303) 292-0044 Visit
5 Alverson + O'Brien, P.C. 4.8 48 $500 (303) 993-8882 Visit
6 Law Office of O'Toole & Sbarbaro, PC 4.6 41 $100 (303) 595-4777 Visit
7 Shapiro Family Law 4.3 43 $100 (303) 695-0200 Visit
8 Vincent & Romeo, LLC 5.0 7 $300 (303) 500-5859 Visit
9 Paula M Tomko, Attorney at Law 4.0 8 $150 (303) 940-0306 Visit

How this Aurora 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.

Colorado 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.

General information about Colorado 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 questions
How does the long-term disability settlement calculator work?
The calculator estimates back pay, future benefits to age 65, and a lump-sum settlement range based on your claim status, policy, salary, SSDI offset, age, and months unpaid.
What if my LTD claim is denied in Colorado?
If denied, you must file an internal appeal within 180 days under ERISA. After that, you may sue, but only on the written record, without punitive damages.
How accurate is the LTD settlement estimate?
The estimate uses typical ranges for lump-sum buyouts and considers back pay and future benefits. It's a general guide, not a guarantee of your claim's value.
What is a long-term disability buyout?
A buyout is a lump-sum settlement offer to end your claim. Typically, it's 30-75% of the present value of future benefits, plus any back pay owed.
Why are LTD settlements below full value?
Insurers offer less than full value due to the uncertainty of future claims and the time value of money. Settlements reflect this risk and discount.
Is a lump-sum LTD settlement taxable in Colorado?
If your employer paid premiums or you used pre-tax dollars, it's taxable. If paid with after-tax money, it's generally not. Consult a tax advisor.
What is the 'own occupation' vs. 'any occupation' test?
Many LTD policies switch from 'own occupation' to 'any occupation' after 24 months, impacting eligibility for continued benefits.
How does ERISA affect LTD claims in Aurora?
Under ERISA, most employer LTD plans require an internal appeal before suing. The case is decided by a judge, without a jury or punitive damages.

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