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Review Keywords Analysis

  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in District of Columbia
  4. Washington
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Washington, DC

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 Washington

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

1

eric siegel law

Eric Siegel Law specializes in ADA compliance and disability-related legal issues, providing guidance on both physical accessibility and digital compliance for businesses. The team offers clear advice on employment disputes and settlement options, with clients appreciating their responsiveness and thorough communication. Some note that case acceptance may vary depending on the situation.

Services & Prices
Representation in Termination Cases $2000 - $5000
Dispute Resolution with Employers $1500 - $4000
Legal Representation in Whistleblower Claims $3000 - $7000
Settlement Negotiation $2000 - $5000
View Profile
(202) 972-5515
Closed Now
888 17th St NW #1200,Washington, DC 20006
General Services
Employment Law
2

Koonz McKenney Johnson & DePaolis LLP

Koonz McKenney Johnson & DePaolis LLP is known for handling complex personal injury cases, often involving high-profile clients. The firm offers legal support through negotiation and litigation, focusing on securing full compensation from insurance companies. Clients appreciate the team’s professionalism and clear communication, though experiences with individual attorneys may vary.

Services & Prices
Motor Vehicle Accidents $5000 - $15000
Workplace Injuries $3000 - $12000
Slip and Fall Cases $2000 - $10000
Claim Filing Assistance $1500 - $4000
View Profile
(202) 659-5500
Closed Now
5335 Wisconsin Ave NW Ste 330,Washington, DC 20015
General Services
Personal Injury Law
3

Donahoe Kearney, LLP

Specializing in long-term disability claims, Donahoe Kearney, LLP helps clients navigate the challenges of insurance companies’ conflicting interests. Their team offers clear explanations and attentive support throughout the claims process. While some find the legal steps intimidating at first, many appreciate the firm’s prompt and caring communication.

Services & Prices
Claim Filing Assistance $200 - $400
Appeal Process Representation $300 - $500
Employer Negotiation $250 - $450
Claim Preparation $150 - $300
View Profile
(202) 393-3320
Closed Now
400 Virginia Ave SW,Washington, DC 20024
General Services
Workers' Compensation
4

Kalijarvi, Chuzi, Newman & Fitch, P.C.

With over 45 years of experience, Kalijarvi, Chuzi, Newman & Fitch, P.C. focuses on employment and labor law, including complex disability and workplace rights cases. The team is known for clear communication and strong legal guidance, though some clients have found initial contact challenging. They handle individual claims, class actions, and union matters.

Services & Prices
EEOC Representation $1000 - $5000
Retaliation Claims $1500 - $6000
Disability Claims $2000 - $8000
Demand Letters $200 - $600
View Profile
(202) 331-9260
Closed Now
818 Connecticut Ave NW #1000, Washington, DC 20006, USA
General Services
Employment Law Services
5

Outten & Golden LLP

Outten & Golden LLP specializes exclusively in employment law, representing employees, partners, and executives in matters like contract negotiations and workplace civil rights. Clients appreciate the team’s responsiveness, clear communication, and knowledgeable guidance, though experiences can vary. Their focus is on empowering employees to protect their rights.

Services & Prices
Discrimination Cases $1500 - $3000
Retaliation Cases $1500 - $3000
Harassment Cases $1500 - $3000
Mediation Services $1000 - $2500
View Profile
(202) 301-5509
Closed Now
1225 New York Ave NW, Suite 1200, Washington, DC 20005, Washington, DC 20001, USA
General Services
Employment Law
Where they are 8 on the map Click a pin for the profile and directions
6

DC Affordable Law Firm

DC Affordable Law Firm focuses on providing legal help to DC residents who don’t qualify for traditional legal aid but can’t afford private attorneys. They handle a range of cases with an emphasis on accessibility, though some clients have found their services costly and communication inconsistent. The team aims to support those facing serious legal challenges.

Services & Prices
Court Representation $500 - $1500
Negotiation Services $300 - $700
View Profile
(202) 844-5430
Closed Now
1717 K St NW, Washington, DC 20006, USA
General Services
Legal Representation
7

Bernabei & Kabat, PLLC

Bernabei & Kabat, PLLC focuses on representing employees facing workplace discrimination, including those with disabilities denied reasonable accommodations. The team handles employment contracts, wrongful termination, and whistleblower cases, with clients appreciating their clear communication and thorough support throughout often lengthy processes. Some find the intake experience less smooth… more...

Bernabei & Kabat, PLLC focuses on representing employees facing workplace discrimination, including those with disabilities denied reasonable accommodations. The team handles employment contracts, wrongful termination, and whistleblower cases, with clients appreciating their clear communication and thorough support throughout often lengthy processes. Some find the intake experience less smooth, but the legal work is consistently described as professional and attentive.

Services & Prices
Mediation Services $300 - $600
Settlement Negotiation $500 - $1000
Severance Package Review $150 - $300
Workplace Discrimination Claims $300 - $700
View Profile
(202) 817-2047
Closed Now
1400 16th St NW Suite 500, Washington, DC 20036, USA
General Services
Discrimination Case Management
8

Barnes & Thornburg LLP

Barnes & Thornburg, a full-service law firm for business professionals, provides legal advice and support in a variety of areas to businesses across many industries. You can browse the concentration areas of each one of our major practices or industries using the + sign. Or, you can use the "expand ALL" buttons to see all concentrations. The following listings provide a detailed view of the… more...

Barnes & Thornburg, a full-service law firm for business professionals, provides legal advice and support in a variety of areas to businesses across many industries. You can browse the concentration areas of each one of our major practices or industries using the + sign. Or, you can use the "expand ALL" buttons to see all concentrations. The following listings provide a detailed view of the experience, insights, and attorneys at our firm for each practice or industry. Barnes & Thornburg's Washington, D.C., offices provide access to policy analysts and lawyers who have extensive knowledge, experience, and access to the key decision-makers in Washington, D.C., for domestic and international clients. Attorneys with connections across parties help to enhance our collegial environment. Barnes & Thornburg has more than 800 lawyers and other legal professionals. It is the nation's largest law firm. From offices located in Atlanta, Boston, California, Chicago, Delaware, Indiana, Michigan, Minneapolis, New Jersey, New York, Ohio, Philadelphia, Raleigh, Salt Lake City, Texas, and Washington, D.C., the firm provides services to clients around the world.

View Profile
(202) 289-1313
Closed Now
555 12th St NW Ste 1200,Washington, DC 20004
Washington Disability Lawyers stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 eric siegel law 4.7 60 $100 (202) 972-5515 Visit
2 Koonz McKenney Johnson & DePaolis LLP 4.7 51 $1,500 (202) 659-5500 Visit
3 Donahoe Kearney, LLP 5.0 19 $150 (202) 393-3320 Visit
4 Kalijarvi, Chuzi, Newman & Fitch, P.C. 4.2 19 $200 (202) 331-9260 Visit
5 Outten & Golden LLP 4.7 14 $1,000 (202) 301-5509 Visit
6 DC Affordable Law Firm 3.5 16 $300 (202) 844-5430 Visit
7 Bernabei & Kabat, PLLC 4.3 11 $100 (202) 817-2047 Visit
8 Barnes & Thornburg LLP 4.7 6 — (202) 289-1313 Visit

How this Washington 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.

District of Columbia 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 District of Columbia 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 is my long-term disability settlement calculated?
The calculator 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 settlement offer for your LTD claim, typically 30-75% of the present value of future benefits, plus back pay. Accepting one is a personal decision.
Why are LTD settlements less than full value?
Settlements account for the uncertainty of future payments and potential offsets like SSDI. They are usually 30-75% of the present value, plus back pay.
What should I do if my LTD claim is denied in Washington, DC?
Under ERISA, file an internal appeal within 180 days. The insurer generally has 45 days, plus a possible 45-day extension, to decide.
Are LTD settlements taxable in Washington, DC?
If your employer paid premiums or you used pre-tax dollars, settlements are taxable. If paid with after-tax money, they generally aren't. Seek tax advice.
What is the difference between own-occupation and any-occupation in LTD policies?
Many LTD policies switch from covering your own occupation to any occupation after 24 months, affecting eligibility for benefits.
Can I sue for bad-faith damages on a denied LTD claim in DC?
ERISA plans don't allow bad-faith damages; however, non-ERISA plans might, depending on state law. This estimate excludes such damages.
How accurate is the LTD settlement calculator for Washington, DC?
The calculator provides a general estimate based on typical policy terms and published settlement ranges. Individual outcomes may vary.

General information, not legal advice — consult a licensed District of Columbia attorney.