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Review Keywords Analysis

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

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 Jacksonville

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

1

Farah & Farah

Farah & Farah focuses on workers' compensation and premises liability cases, helping clients navigate claims when injuries disrupt their lives. The team assists with filing, appeals, and negotiating settlements, often easing the stress of dealing with insurance and medical paperwork. Some clients note slower communication on smaller claims, but many appreciate the consistent support throughout… more...

Farah & Farah focuses on workers' compensation and premises liability cases, helping clients navigate claims when injuries disrupt their lives. The team assists with filing, appeals, and negotiating settlements, often easing the stress of dealing with insurance and medical paperwork. Some clients note slower communication on smaller claims, but many appreciate the consistent support throughout the process.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Slip and Fall Cases No Win, No Fee
View Profile
(904) 549-6434
Open 00:00 - 23:59
10 W Adams St, Jacksonville, FL 32202, USA
General Services
Workers' Compensation Claims
2

The Law Offices of Lori A. Gaglione

With more than eighteen years of experience handling Social Security disability cases, this firm offers free case evaluations to guide clients through a challenging process. The team provides clear explanations and attentive support, helping clients feel respected and prepared, though some find the process naturally demanding.

Services & Prices
Social Security Disability Claims $500 - $3000
Disability Appeals $600 - $2500
Representation at Hearings $800 - $2500
Negotiation Services $500 - $2000
View Profile
(904) 249-1440
Closed Now
408 4th St N, Jacksonville Beach, FL 32250, USA
General Services
Disability Services
3

The Law Office of Jessica Dumas

With over twenty years of experience, this firm focuses exclusively on disability claims, helping clients navigate a challenging process with compassion and clear communication. The team guides clients through each step, offering free consultations and no fees unless they win. Many appreciate their attentive, patient approach and detailed updates throughout cases.

Services & Prices
Supplemental Security Income (SSI) Application Assistance $150 - $250
Appeals for Disability Denials $200 - $300
Preparation for Administrative Law Judge Hearings $200 - $400
Representation During Hearings $300 - $500
View Profile
(904) 221-0255
Closed Now
4745 Sutton Park Ct #504,Jacksonville, FL 32224
General Services
Disability Law Services
4

Harrell and Harrell, P.A.

Harrell and Harrell, P.A. focuses on injury and accident cases, offering free case evaluations to help clients understand their options. Their team handles everything from filing claims to ongoing representation, with clients often noting their responsiveness and supportive approach throughout difficult times. Some find the process demanding, but appreciate the firm’s consistent communication.

Services & Prices
Car Accident Representation $1500 - $5000
Slip and Fall Cases $1000 - $3000
Workplace Injury Claims $2000 - $8000
Claims Filings $200 - $1500
View Profile
(904) 251-1111
Open 00:00 - 23:59
7045 Blanding Blvd, Jacksonville, FL 32244, USA
General Services
Personal Injury Law
5

Osterhout Berger Disability Law

Osterhout Berger Disability Law focuses on Social Security disability claims, providing detailed updates on court decisions since 2018. The team handles applications and appeals, with clients noting their responsiveness and clear communication, though some have experienced delays and mixed results during the process.

Services & Prices
SSDI Application Assistance $1500 - $3000
SSDI Appeal Representation $2000 - $5000
Federal Court Representation $3000 - $6000
View Profile
(904) 733-2800
Closed Now
2002 San Marco Blvd Suite 203, Jacksonville, FL 32207, USA
General Services
Disability Law
Where they are 10 on the map Click a pin for the profile and directions
6

Farrell Disability Law

Farrell Disability Law focuses on helping clients navigate denied disability benefit claims from private policies, employer plans, or Social Security. The team guides clients through the complex appeals process, often explaining options clearly and maintaining communication. Some clients note occasional delays in returned calls, though responsiveness is generally appreciated.

Services & Prices
Social Security Disability Insurance (SSDI) Claims $1500 - $3000
Appeals for Denied Claims $500 - $1500
Court Representation $1000 - $5000
View Profile
(904) 388-8870
Closed Now
4651 Salisbury Rd #400,Jacksonville, FL 32256
General Services
Disability Law Services
7

Tracy Tyson Miller

Specializing in Social Security Disability claims, this law office guides clients through the complex benefits system with experience and care. The team handles paperwork, communications, and hearings, often easing the stress of the process. Clients appreciate their responsiveness and thorough explanations, though some note the process can still be lengthy.

Services & Prices
Disability Application Assistance $500 - $800
Appeal Representation $1000 - $3000
Claim Filing $300 - $700
Status Tracking $150 - $300
View Profile
(904) 981-9812
Closed Now
2118 Park St, Jacksonville, FL 32204, USA
General Services
Disability Legal Services
8

Bourne Group

Specializing exclusively in Social Security Disability and SSI appeals, Bourne Group focuses on helping clients whose claims have been denied. The team is known for clear communication and timely responses, making clients feel personally supported throughout the process. Some have noted occasional lapses in follow-up, but many appreciate the straightforward guidance provided.

Services & Prices
Claim Assistance $300 - $500
Appeal Representation $400 - $600
View Profile
(904) 448-1710
Closed Now
8160 Baymeadows Way W #175th, Jacksonville, FL 32256, USA
General Services
Social Security Disability
9

Sullivan and Associates

Sullivan and Associates focuses on disability cases, often taking on claims others have declined. The team helps clients navigate complex disability benefits and has a reputation for persistence and understanding. Some clients note mixed experiences with staff, but many appreciate the firm’s willingness to fight long battles for approval.

Services & Prices
Disability Law $300 - $500
Representation $500 - $1000
Personal Injury $500 - $800
Contract Law $200 - $400
View Profile
Closed Now
1138 Edgewood Ave S, Jacksonville, FL 32205, USA
General Services
Legal Services
10

Wildoner Law, PLLC

Kaitlin Fallson Wildoner, founder of the firm, focuses her practice in Social Security Disability Florida cases and Supplemental Security income cases. She also offers estate planning services for families and individuals at all stages. Her Social Security cases include those in Jacksonville, Fort Myers and Bonita Springs.

View Profile
(904) 657-0579
Closed Now
1301 Riverplace Blvd #800, Jacksonville, FL 32207, USA

Latest reviews of Jacksonville Disability Lawyers

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

    I want to thank Tiffany Scott and Chris for making me feel like my brothers case matters! They made the process stress free! Keep it up guys!

  • Esperanza

    I hired Osterhout and Berger in 2/22. the process was long and difficult for me. The fist application was denied. So we appealed. The second hearing was set for 3/23. Two weeks before my hearing i was informed that due to not having enough medical evidence the likelihood that the judge will approve…

  • Guanda

    Megan nd Keli has been so good to me they had been on top of my case since day one Ii have been happy with their service. It hasn’t been not one time that they didn’t make me feel like I was alone with the process they was always there to answer my questions nd calls this was a long process but I fe…

Jacksonville Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Farah & Farah 4.5 106 No Win, No Fee (904) 549-6434 Visit
2 The Law Offices of Lori A. Gaglione 4.7 60 $100 (904) 249-1440 Visit
3 The Law Office of Jessica Dumas 4.6 56 $100 (904) 221-0255 Visit
4 Harrell and Harrell, P.A. 3.9 66 $200 (904) 251-1111 Visit
5 Osterhout Berger Disability Law 4.1 57 $1,500 (904) 733-2800 Visit
6 Farrell Disability Law 4.6 40 $500 (904) 388-8870 Visit
7 Tracy Tyson Miller 5.0 28 $150 (904) 981-9812 Visit
8 Bourne Group 4.7 15 $300 (904) 448-1710 Visit
9 Sullivan and Associates 4.6 9 $200 — Visit
10 Wildoner Law, PLLC 5.0 2 — (904) 657-0579 Visit

How this Jacksonville 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.

Florida 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 Florida 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?
It estimates back pay owed, future benefits to age 65, their present value, and a typical lump-sum settlement range using claim status, policy type, salary, SSDI offset, age, and months unpaid.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered by insurers to settle your claim. Typically, it's 30-75% of the present value of future benefits, plus back pay, depending on claim status.
Why are LTD settlements below full value?
Settlements are lower due to the present value calculation, which discounts future benefits to today's dollars. Insurers also factor in litigation risks and administrative costs.
What is the deadline for appealing an LTD denial in Florida?
For ERISA-governed plans, you must file an internal appeal within 180 days of the denial. State law applies to non-ERISA plans, often allowing lawsuits in state court.
Are LTD settlements taxable in Florida?
If your employer paid the premiums or you paid with pre-tax dollars, LTD 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'?
Many LTD policies switch from covering your 'own occupation' to 'any occupation' after 24 months, affecting eligibility for continued benefits.
What can I do if my long-term disability claim is denied in Jacksonville?
For ERISA plans, file an internal appeal within 180 days. For non-ERISA plans, Florida law may allow you to sue in state court, potentially for bad-faith damages.
How accurate is the LTD settlement calculator for Jacksonville?
The calculator provides estimates based on typical ranges and policy details. Actual settlements depend on specific circumstances and negotiations.
What is back pay in a long-term disability claim?
Back pay refers to the benefits owed from the date of disability to the present, which may be included in a lump-sum settlement offer.

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