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Review Keywords Analysis

  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in Florida
  4. Miami
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
Step 1 of 4

Long-Term Disability Settlement Calculator Miami, 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 Miami

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

1

Morgan & Morgan

Morgan & Morgan focuses on Social Security Disability and workers’ compensation claims, helping clients navigate appeals and complex insurance processes. Their team offers 24/7 communication and works on a contingency fee basis, with clients often noting prompt responses and a compassionate approach, though some say certain case types are no longer accepted.

Services & Prices
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Uninsured Motorist Claims No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(305) 929-1900
Open 00:00 - 23:59
703 Waterford Way #1000, Miami, FL 33126, USA
General Services
Car Accident Representation
2

lowercase, a law firm

Lowercase offers disability and personal injury legal services with a fee cap of 30%, which clients appreciate as more affordable than many competitors. The team handles cases with clear communication and personal attention, often keeping clients updated throughout the process. Some find the pace of progress slower than expected but value the thorough support.

Services & Prices
Slip and Fall Cases $2000 - $5000
Car Accident Claims $3000 - $10000
Medical Malpractice $5000 - $20000
Case Representation $1500 - $5000
View Profile
(305) 257-8037
Open 00:00 - 23:59
4443 NW 2nd Ave,Miami, FL 33127
General Services
Personal Injury Law
3

CP Law Firm PA | Best Personal Injury Lawyer in Miami & Near By

CP Law Firm PA has been handling personal injury claims since 2008, focusing on slip-and-fall and trip-and-fall cases across Florida. The team assists clients with evidence preservation and medical treatment coordination while pursuing fair settlements. Clients appreciate their professionalism and clear communication, though some note occasional delays in responsiveness.

Services & Prices
Slip and Fall Cases No Win, No Fee
Premises Liability Cases No Win, No Fee
Property Owner Negligence No Win, No Fee
Medical Malpractice Claims No Win, No Fee
View Profile
Open 00:00 - 23:59
2 S Biscayne Blvd # 2300, Miami, FL 33131, USA
General Services
Slip and Fall & Premises Liability
4

Stabinski Law

With 50 years of experience, Stabinski Law focuses on personal injury cases, including workplace accidents and insurance claims. The team handles complex situations like Hurricane Michael damage and is noted for clear communication and persistent advocacy. Some clients mention the lengthy process but appreciate the firm’s thorough support throughout.

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
(305) 676-8389
Closed Now
757 NW 27th Avenue, Third Floor, Miami, FL 33125, USA
General Services
Workers' Compensation Claims
5

Lilli W. Marder, Esq.

Specializing in disability law, this office assists clients across Southern Florida, the Keys, and beyond, including international cases. The team handles complex claims and court hearings, often working with clients who have faced long struggles or previous denials. While communication can sometimes be slow, many appreciate the supportive and professional approach.

Services & Prices
Disability Application Assistance $100 - $300
Disability Appeal Representation $200 - $500
Disability Hearing Preparation $150 - $350
Car Accident Claims $200 - $1000
View Profile
(305) 373-2015
Closed Now
100 SE 2nd St #160, Miami, FL 33131, USA
General Services
Disability Legal Services
Where they are 10 on the map Click a pin for the profile and directions
6

Read Elizabeth R

Specializing in Social Security Disability claims, this family-run law firm offers personalized legal support with decades of experience. The team also handles probate, wills, estates, trusts, real estate, and family law matters. Clients appreciate their professionalism and compassionate approach throughout the process.

View Profile
(305) 374-5699
Closed Now
1110 Brickell Ave, Miami, FL 33131, USA
7

Palacios Disability - A Social Security Disability Law Firm

Palacios Disability focuses exclusively on Social Security disability claims, assisting clients with applications and appeals. The team offers attentive, compassionate support throughout the process, though some clients have noted occasional delays in communication. Overall, the firm aims to provide personal attention to each case.

Services & Prices
Court Representation $500 - $1500
Negotiation Services $300 - $800
Settlement Discussion $400 - $1000
Legal Forms Preparation $50 - $100
View Profile
(305) 510-7409
Closed Now
10691 N Kendall Dr #107, Miami, FL 33176, USA
General Services
Representation
8

Deirdre Dibiaggio PA

Specializing in Social Security disability claims, Deirdre Dibiaggio PA offers guidance through the often complex application process. The team provides attentive support and clear communication, helping clients navigate each step with patience. While the process can be lengthy, clients appreciate the firm’s responsiveness and thorough handling of cases.

Services & Prices
Claim Filing Assistance $100 - $200
Appeals Representation $150 - $300
Court Representation $200 - $400
View Profile
(305) 443-1212
Closed Now
One Flagler Building 14 N.E. 1st Ave. Suite 1107, Miami, FL 33132, USA
General Services
Disability Claims
9

Marder, Bernard & Associates

Specializing in disability law, Marder, Bernard & Associates assists clients throughout Southern Florida, the Keys, and beyond. The team handles a range of disability claims and is known for effective case outcomes, though some clients note long wait times for appointments and difficulty reaching staff by phone.

Services & Prices
Visa Application Assistance $300 - $800
Green Card Processing $500 - $1200
Citizenship Application $400 - $1000
Divorce Filing $500 - $2000
View Profile
(305) 373-2015
Closed Now
100 SE 2nd St #160, Miami, FL 33131, USA
General Services
Immigration Services
10

Jeffrey P. Bernard, Esq.

Our offices are centrally located in the Miami Tower* in downtown Miami. Adding to the convenience of this location, the Metromover stops inside the building, where you can find us located in the lobby on the ground floor. This office serves residents throughout Southern Florida and the Keys, in addition to Out-of-state and International cases.

View Profile
(305) 373-2015
Closed Now
100 SE 2nd St #160, Miami, FL 33131, USA

Latest reviews of Miami Disability Lawyers

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

    I called to get assistance with an appeal. Because. They told me. That they handle those kinds of cases. . So I got on the phone with some woman there when I called. And then she changed. The subject and said. They don't handle. Appeals. But in the beginning. She said they do. . And I asked to speak…

Miami Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Morgan & Morgan 4.6 1295 No Win, No Fee (305) 929-1900 Visit
2 lowercase, a law firm 4.9 126 $500 (305) 257-8037 Visit
3 CP Law Firm PA | Best Personal Injury Lawyer in Miami & Near By 4.9 91 No Win, No Fee — Visit
4 Stabinski Law 4.8 56 No Win, No Fee (305) 676-8389 Visit
5 Lilli W. Marder, Esq. 4.5 13 $100 (305) 373-2015 Visit
6 Read Elizabeth R 4.9 10 — (305) 374-5699 Visit
7 Palacios Disability - A Social Security Disability Law Firm 4.2 10 $20 (305) 510-7409 Visit
8 Deirdre Dibiaggio PA 4.2 8 $100 (305) 443-1212 Visit
9 Marder, Bernard & Associates 3.6 8 $300 (305) 373-2015 Visit
10 Jeffrey P. Bernard, Esq. 5.0 1 — (305) 373-2015 Visit

How this Miami 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 Miami long-term disability settlement calculator work?
The calculator estimates back pay owed, future benefits to age 65, present value, and typical lump-sum settlement ranges based on your policy, claim status, and SSDI offset.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered by insurers to settle a claim. It typically ranges from 30-75% of the present value of future benefits, plus back pay.
Why are LTD settlements below full value?
Settlements are often less than full value because they account for the risk and uncertainty of future payments and the insurer's desire to close the claim.
What should I do if my long-term disability claim is denied in Florida?
Under ERISA, you must file an internal appeal within 180 days of denial. If denied again, you may sue, but only after exhausting the appeal process.
How does ERISA affect my LTD claim in Miami?
ERISA governs most employer plans, requiring an appeal within 180 days of denial and allowing only back benefits and attorney fees, not punitive damages.
Will my LTD settlement be taxed in Florida?
If your employer paid the premiums or you used pre-tax dollars, settlements are taxable. If paid with after-tax money, they generally aren't. Consult a tax advisor.
What is the difference between own-occupation and any-occupation in LTD policies?
Most policies switch from covering your own occupation to any occupation after 24 months, affecting eligibility for continued benefits.
How does an SSDI offset affect my LTD benefits?
Most LTD policies reduce benefits by any Social Security Disability (SSDI) payments received, affecting the total amount paid monthly.
How accurate is the Miami LTD settlement calculator?
The calculator provides estimates based on typical ranges and your input. Actual settlements may vary due to individual circumstances and negotiations.

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