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Review Keywords Analysis

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

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

1

The Sawaya Law Firm

Focused on helping clients navigate car accident claims involving bikes and motorcycles, The Sawaya Law Firm manages medical care coordination and paperwork to ease the recovery process. Their team handles compensation cases with attention and patience, often noted for clear communication and support, especially for clients facing language barriers.

Services & Prices
Car Accident Claims $5000 - $20000
Medical Malpractice $10000 - $30000
Workplace Injuries $2000 - $15000
Property Damage Claims $300 - $5000
View Profile
(720) 303-3062
Open 00:00 - 23:59
1600 N Ogden St, Denver, CO 80218, USA
General Services
Personal Injury Law
2

Viner Disability Law

Specializing in Social Security disability claims, Viner Disability Law assists clients with initial applications and representation before Administrative Law Judges. The team is known for clear communication and thorough support throughout often lengthy processes, though some clients note occasional delays in returning calls.

Services & Prices
Initial Application Assistance $200 - $300
Appeal Representation $1000 - $3000
Hearing Representation $2000 - $4000
Submission Verification $100 - $250
View Profile
(720) 515-9012
Open 9:00 AM - 5:00 PM
1490 Lafayette St #400, Denver, CO 80218, USA
General Services
Social Security Disability Representation
3

William T. Dawson, LLC.

With extensive experience as a former Social Security Administration lawyer, William T. Dawson, LLC. specializes in handling social security disability claims and appeals. The team guides clients through complex processes with clear communication and thorough preparation. Clients appreciate their professionalism and supportive approach, though some cases can involve lengthy timelines.

Services & Prices
Social Security Disability Claims $500 - $1000
SSDI Appeals $300 - $800
Hearing Representation $700 - $1500
Claim Assessment $100 - $300
View Profile
(303) 455-0400
Open 9:00 AM - 5:00 PM
1575 Race St, Denver, CO 80206, USA
General Services
Disability Legal Representation
4

Sullivan Sullivan & McGuire, P.C.

With decades of experience helping Colorado residents secure Workers' Compensation and Social Security Disability benefits, Sullivan Sullivan & McGuire, P.C. focuses on personalized legal strategies tailored to each client’s needs. The team is praised for clear communication and persistence throughout complex claims, though some have noted occasional issues with initial phone interactions.

Services & Prices
Application Assistance $100 - $200
Appeals Representation $150 - $300
Hearing Representation $400 - $800
Claim Filing Assistance $100 - $200
View Profile
(303) 691-9868
Open 9:00 AM - 4:00 PM
1325 S Colorado Blvd #405, Denver, CO 80222, USA
General Services
Social Security Disability
5

Impact Disability Law

Impact Disability Law focuses exclusively on Social Security disability claims, guiding clients through every stage from application to appeal. Their team is known for clear communication and thorough preparation, often helping clients overcome previous denials. Some find the process slow, but the firm’s consistent updates and compassionate approach provide steady support.

Services & Prices
Appeals Assistance $200 - $300
Representation at Hearing $1000 - $2000
Claim Filing Assistance $150 - $250
Claim Denial Review $100 - $200
View Profile
(303) 835-7855
Open 00:00 - 23:59
323 S Pearl St, Denver, CO 80209, USA
General Services
Social Security Disability Legal Services
Where they are 10 on the map Click a pin for the profile and directions
6

Apex Disability Law

Apex Disability Law focuses on handling disability claims through every stage, from initial applications to hearings and appeals. The team assists clients with complex medical conditions and works to keep them informed throughout the process. Some clients appreciate their professionalism and communication, though others have found responsiveness and case acceptance inconsistent.

Services & Prices
Case Preparation $500 - $1500
Hearing Representation $1000 - $3000
Appeal Filing $300 - $700
Evidence Gathering $200 - $400
View Profile
(720) 545-1800
Open 8:00 AM - 5:00 PM
2121 S Oneida St #150, Denver, CO 80224, USA
General Services
Social Security Disability Representation
7

McDermott Law, LLC

Handling more ERISA-related and disability cases than any other firm in Colorado, McDermott Law, LLC focuses exclusively on insurance benefits and ERISA law. Their team assists with insurance claims and appeals, often guiding clients through complex paperwork. While some find communication inconsistent, many appreciate their thoroughness and detailed approach.

Services & Prices
Long Term Disability Appeals $500 - $1500
Short Term Disability Claims $400 - $1200
Disability Pension Appeals $600 - $1400
Claims Negotiation $300 - $900
View Profile
(303) 964-1800
Open 8:00 AM - 5:00 PM
4600 S Ulster St #800, Denver, CO 80237, USA
General Services
Disability Claims Assistance
8

Feldman Thomas A

Specializing in Social Security disability appeals, Feldman Thomas A supports clients through the often complex and lengthy process of securing SSI and SSDI benefits. The team is known for clear communication and persistence, helping many navigate court appearances and paperwork. Some clients note the process can be slow, reflecting the nature of disability cases.

Services & Prices
Appeals Process Representation $800 - $1500
Hearing Representation $1200 - $2500
View Profile
Open 9:30 AM - 5:30 PM
1120 Lincoln St #1306, Denver, CO 80203, USA
General Services
Social Security Disability Representation
9

Rocky Mountain Disability Law Group

Rocky Mountain Disability Law Group focuses on helping veterans and individuals navigate the complex process of securing disability benefits, especially from the VA and Social Security. The team handles appeals and claims with careful attention to detail, and many clients appreciate their knowledgeable, caring approach, though some have found initial contacts less responsive.

Services & Prices
Veterans Affairs Claims $200 - $400
Social Security Disability Claims $200 - $400
Appeals for Disability Claims $300 - $600
View Profile
(303) 534-1958
Open 8:00 AM - 5:00 PM
2000 S Colorado Blvd tower 1 suite 9500, Denver, CO 80222, USA
General Services
Disability Claims Assistance
10

ASH | LAW - Social Security & Disability Lawyers of Denver

Holding a rare AV PREEMINENT® Peer Review Rating™ for ethics and professionalism, ASH | LAW focuses on Social Security and disability claims. Their team assists with applications and appeals, often guiding clients through complex cases with clear explanations and steady support. Some clients note limits when cases require higher court actions.

Services & Prices
SSDI Application Assistance $500 - $1500
Appeals Process Support $700 - $2000
Benefits Claim Assistance $400 - $1200
Appeals for Denied Benefits $600 - $1800
View Profile
(720) 408-7940
Open 8:00 AM - 5:00 PM
4100 E Mississippi Ave #1900, Denver, CO 80246, USA
General Services
Social Security Disability Services

Latest reviews of Denver Disability Lawyers

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

    Jennifer and her team are the absolute best! All are very professional and courteous. They kept me informed and updated on my case. For a year I was having problems with SSI DISABILITY. They were able to move forward with it and win her case within three months. Highly recommend!

Denver Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 The Sawaya Law Firm 4.9 500 $300 (720) 303-3062 Visit
2 Viner Disability Law 4.8 110 $100 (720) 515-9012 Visit
3 William T. Dawson, LLC. 4.9 100 $100 (303) 455-0400 Visit
4 Sullivan Sullivan & McGuire, P.C. 4.4 99 $100 (303) 691-9868 Visit
5 Impact Disability Law 4.9 63 $100 (303) 835-7855 Visit
6 Apex Disability Law 4.0 52 $100 (720) 545-1800 Visit
7 McDermott Law, LLC 4.5 31 $300 (303) 964-1800 Visit
8 Feldman Thomas A 3.9 20 $800 — Visit
9 Rocky Mountain Disability Law Group 4.1 15 $200 (303) 534-1958 Visit
10 ASH | LAW - Social Security & Disability Lawyers of Denver 4.8 11 $400 (720) 408-7940 Visit

How this Denver 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 Denver LTD settlement calculator work?
It estimates back pay, future benefits to age 65, their present value, and a typical lump-sum range based on claim status, policy, benefits, and offsets.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle your LTD claim, typically 30-75% of future benefits' present value, plus back pay if applicable.
Why are LTD settlements below full value?
Insurers discount for uncertainty and early payment, offering 30-75% of future benefits' present value, depending on claim status.
What if my LTD claim is denied in Colorado?
Under ERISA, file an appeal within 180 days. Outside ERISA, state law applies, possibly allowing bad-faith damages.
Is a lump-sum LTD settlement taxable in Denver?
If premiums were employer-paid or pre-tax, it's taxable. If paid with after-tax money, 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, affecting eligibility.
How accurate is the LTD settlement estimate?
The calculator provides a typical range based on known factors but can't guarantee outcomes.
What's the deadline for appealing an LTD denial in Colorado?
Under ERISA, you must appeal within 180 days of denial. State law deadlines vary outside ERISA.

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