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

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

1

Golden Key Law Group, PLLC

Specializing in Social Security Disability claims, Golden Key Law Group, PLLC offers personal consultations and thorough guidance throughout the entire process. Their team focuses on gathering strong medical and vocational evidence to support positive outcomes. Clients appreciate their professionalism, attention to detail, and compassionate approach, though some note the process can take time.

Services & Prices
Representation in Court $1500 - $3000
Modification of Custody Agreement $800 - $1500
Divorce Representation $2000 - $5000
Prenuptial Agreements $1000 - $2500
View Profile
Closed Now
5030 78th Ave N #13, Pinellas Park, FL 33781, USA
General Services
Child Custody Services
2

Quikaid - The Disability Experts

Quikaid specializes in handling all types of Social Security disability claims, working on a no-win, no-fee basis to support clients nationwide. Their team assists with SSDI and SSI cases, often providing clear guidance through complex processes. Some clients have noted communication challenges, but many appreciate their persistence and successful outcomes.

Services & Prices
Initial Application Support $300 - $500
Claim Appeal Support $500 - $800
Eligibility Assessment $150 - $300
Submission of SSI Application $200 - $400
View Profile
(800) 941-1321
Closed Now
888 Executive Center Dr W Suite 100, St. Petersburg, FL 33702, USA
General Services
Disability Claim Assistance
3

Pipas Law Group

Specializing in personal injury cases like car accidents and slip-and-falls, Pipas Law Group ensures clients communicate directly with their lawyers throughout the process. The team handles complex claims with care and keeps clients informed, though some note the firm may push for quicker settlements. Many appreciate the support in managing the stress of injury-related expenses.

Services & Prices
Car Accident Claims $1500 - $3000
Slip and Fall Cases $1000 - $2500
Medical Malpractice Claims $2000 - $5000
Claim Filing Assistance $200 - $400
View Profile
(727) 888-3925
Closed Now
360 Central Ave #1570, St. Petersburg, FL 33701, USA
General Services
Personal Injury Representation
4

Swift Law, PA

Swift Law, PA focuses on advocating for individuals with disabilities to secure their rights under the Americans with Disabilities Act. The team handles cases involving discrimination and accessibility issues, often guiding clients through complex legal processes with clear communication. Clients appreciate their professionalism and responsiveness, though some matters may require patience as… more...

Swift Law, PA focuses on advocating for individuals with disabilities to secure their rights under the Americans with Disabilities Act. The team handles cases involving discrimination and accessibility issues, often guiding clients through complex legal processes with clear communication. Clients appreciate their professionalism and responsiveness, though some matters may require patience as cases develop.

Services & Prices
Car Accident Representation $5000 - $20000
Medical Malpractice $10000 - $50000
Slip and Fall Cases $3000 - $15000
Credit Dispute Resolution $1000 - $3000
View Profile
(727) 490-9919
Closed Now
11300 4th St N Ste 260,St. Petersburg, FL 33716
General Services
Personal Injury Law
5

Law Office of Dennis A. Palso, P.A.

Board-certified in Florida workers’ compensation law, this office assists clients with Social Security Disability Insurance claims and workplace injuries. The team handles appeals and provides thorough case evaluations, with clients appreciating their clear communication and personalized attention, though one review noted a less positive initial consultation experience.

Services & Prices
Claim Representation $10000 - $50000
Appeal Process Assistance $500 - $2500
First-time Application $0
Appeal Process $1000 - $3500
View Profile
(727) 578-5911
Closed Now
1135 Dr M.L.K. Jr St N,St. Petersburg, FL 33701
General Services
Workers Compensation
Where they are 10 on the map Click a pin for the profile and directions
6

Perenich, Caulfield, Avril & Noyes Personal Injury Lawyers - St. Petersburg

Perenich, Caulfield, Avril & Noyes Personal Injury Lawyers bring over 200 years of combined experience exclusively in personal injury law. They handle cases involving car, bike, and truck accidents, offering compassionate and professional support throughout the process. Clients appreciate their clear communication and thorough attention, though some cases can be complex and lengthy.

Services & Prices
Medical Malpractice No Win, No Fee
Personal Injury Claims No Win, No Fee
Serious Injury Cases No Win, No Fee
Workers' Compensation No Win, No Fee
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(727) 591-3354
Open 00:00 - 23:59
2560 1st Ave S, St. Petersburg, FL 33712, USA
General Services
Personal Injury Representation
7

AC Cummins Law

AC Cummins Law specializes in assisting veterans and their families with disability claims and related legal matters. The team offers support beyond Social Security issues, including help with school accommodations and workplace rights, drawing on experience in education and veterans’ benefits. Clients appreciate their clear communication, thoroughness, and personal attention throughout the… more...

AC Cummins Law specializes in assisting veterans and their families with disability claims and related legal matters. The team offers support beyond Social Security issues, including help with school accommodations and workplace rights, drawing on experience in education and veterans’ benefits. Clients appreciate their clear communication, thoroughness, and personal attention throughout the process.

Services & Prices
Will Preparation $150 - $300
Trust Establishment $500 - $1000
Power of Attorney $100 - $200
Child Custody Agreement $500 - $1500
View Profile
Closed Now
735 Arlington Ave N Suite 306, St. Petersburg, FL 33701, USA
General Services
Estate Planning
8

Rahdert Steele Bole

Specializing in a broad range of legal services, Rahdert Steele Bole supports individuals and businesses with matters including personal injury, employment law, and estate planning. The team is known for being responsive and knowledgeable, providing attentive legal guidance through complex cases. Some clients note the firm’s thorough approach may take time, reflecting their careful attention to… more...

Specializing in a broad range of legal services, Rahdert Steele Bole supports individuals and businesses with matters including personal injury, employment law, and estate planning. The team is known for being responsive and knowledgeable, providing attentive legal guidance through complex cases. Some clients note the firm’s thorough approach may take time, reflecting their careful attention to detail.

View Profile
(727) 823-4191
Closed Now
535 Central Ave, St. Petersburg, FL 33701, USA
9

The Narvaez Law Office, P.A.

With experience in Social Security and VA Disability law since 2003, The Narvaez Law Office, P.A. focuses on helping veterans and others navigate complex claims. The team assists clients through the application and evaluation process, though some note communication and office accessibility can be challenging. Many appreciate the professional and persistent approach.

View Profile
(727) 914-4999
Closed Now
8970 Seminole Blvd, Seminole, FL 33772, USA
10

Whittel & Melton, LLC

Whittel & Melton, LLC focuses on personal injury and wrongful death cases, helping clients pursue compensation through insurance claims or civil suits. The team also assists with medical treatment and related expenses during recovery. While some clients appreciate their clear communication and proactive approach, others have noted difficulties with responsiveness.

Services & Prices
Car Accident Representation $5000 - $15000
Wrongful Death Claims $7500 - $20000
Slip and Fall Cases $3000 - $12000
Neglect Cases $5000 - $15000
View Profile
(727) 823-0000
Open 8:00 AM - 10:00 PM
200 Central Ave #400, St. Petersburg, FL 33701, USA
General Services
Personal Injury Law

Latest reviews of St. Petersburg Disability Lawyers

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

    Worst company I have ever dealt with! Why would they leave a message on my husband's brother's phone? I am his wife and would have expected this company to leave and message on my phone! So we immediately thought it was someone scamming! No call on my husband's phone and my husband is severely heari…

St. Petersburg Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Golden Key Law Group, PLLC 4.7 99 $150 — Visit
2 Quikaid - The Disability Experts 4.4 101 $150 (800) 941-1321 Visit
3 Pipas Law Group 4.7 65 $100 (727) 888-3925 Visit
4 Swift Law, PA 5.0 46 $1,000 (727) 490-9919 Visit
5 Law Office of Dennis A. Palso, P.A. 4.6 35 $500 (727) 578-5911 Visit
6 Perenich, Caulfield, Avril & Noyes Personal Injury Lawyers - St. Petersburg 5.0 28 No Win, No Fee (727) 591-3354 Visit
7 AC Cummins Law 5.0 9 $100 — Visit
8 Rahdert Steele Bole 5.0 7 — (727) 823-4191 Visit
9 The Narvaez Law Office, P.A. 4.3 7 — (727) 914-4999 Visit
10 Whittel & Melton, LLC 3.0 7 $3,000 (727) 823-0000 Visit

How this St. Petersburg 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 and future benefits using your claim status, policy type, monthly benefit, SSDI offset, age, and months unpaid. Results are general estimates.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle your LTD claim for a percentage of its present value. It's usually 30-75% depending on claim status.
Why are LTD settlements below full value?
Lump-sum settlements reflect present value and risk; they offer less than full future benefits due to uncertainty and time value of money.
What if my long-term disability claim is denied in Florida?
Under ERISA, you must file an internal appeal within 180 days. Non-ERISA claims can be taken to state court, potentially allowing bad-faith damages.
How do SSDI offsets affect my LTD benefits?
Most LTD policies reduce benefits by any SSDI received. This calculator accounts for SSDI offsets in estimating your settlement.
Is my long-term disability settlement taxable?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax money, they generally aren't. Consult a tax advisor.
What is the own-occupation vs any-occupation test?
Most LTD policies switch from 'own occupation' to 'any occupation' after 24 months, affecting eligibility. This impacts future benefit estimates.
How do I estimate long-term disability back pay?
The calculator estimates back pay based on unpaid months, monthly benefit, and offsets like SSDI. It's a general guide, not a guarantee.
What are typical long-term disability buyout ranges?
Typical buyouts are 50-75% when paid, 40-70% after cutoff, and 30-60% when denied, plus back pay. These are general ranges.

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