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Review Keywords Analysis

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

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

1

Farah & Farah

Farah & Farah focuses on Social Security Disability claims, helping clients understand their eligibility and build strong cases. Their team handles each step with clear communication and support, though some clients note delays outside their control. Many appreciate the attentive and patient approach throughout the process.

Services & Prices
Car Accident Representation $1000 - $5000
Workers' Compensation Claims $1000 - $3000
Medical Malpractice Claims $2000 - $10000
Insurance Claims Management $200 - $800
View Profile
(813) 358-0490
Open 00:00 - 23:59
5100 W Kennedy Blvd Suite 225, Tampa, FL 33609, USA
General Services
Personal Injury Law
2

Dax J. Lonetto, Sr., PLLC

Specializing in disability claims for veterans and others, Dax J. Lonetto, Sr., PLLC helps clients navigate complex benefits and appeals processes. The team provides clear guidance and timely communication throughout each case, with clients appreciating their responsiveness and thorough explanations, though some note the process itself can be lengthy.

Services & Prices
VA Disability Claims $500 - $1000
SSDI Claims $500 - $1000
Disability Appeals $300 - $700
Filing an Appeal $300 - $600
View Profile
Closed Now
4012 Gunn Hwy Ste 165, Tampa, FL 33618, USA
General Services
Disability Claims
3

Coffman Law

Coffman Law specializes in disability insurance litigation, assisting clients throughout Florida with applications, appeals, and lawsuits related to disability benefits. The team is known for clear communication, thorough case reviews, and a compassionate approach, though some cases may take several months due to procedural complexities.

Services & Prices
Short Term Disability (STD) Claims $2000 - $3000
Long Term Disability (LTD) Claims $3000 - $5000
Disability Claim Appeals $1500 - $2500
Functional Capacity Evaluations $500 - $1000
View Profile
(866) 507-7030
Closed Now
15436 N Florida Ave #103, Tampa, FL 33613, USA
General Services
Disability Claim Representation
4

Nyman Turkish PC

Nyman Turkish PC focuses on Social Security Disability benefits and related legal assistance. The team handles appeals and guides clients through the process, often praised for professionalism and clear communication. Some clients note occasional delays in follow-up after initial paperwork is completed.

Services & Prices
Social Security Disability Insurance (SSDI) Application $500 - $1000
Appeals Process Support $300 - $600
Medicare Enrollment Guidance $50 - $150
Medicare Benefits Counseling $100 - $250
View Profile
(877) 529-4773
Closed Now
3000 Bayport Dr #745,Tampa, FL 33607
General Services
Disability Benefits Services
5

Christopher J Smith PA

Board-certified in workers’ compensation since 1996, Christopher J Smith PA focuses on helping injured workers and social security disability claimants in West Central Florida. The team guides clients through filing claims and navigating complex processes with clear communication and patience. Some clients note the process can be lengthy, but appreciate the 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
Insurance Claim Handling No Win, No Fee
View Profile
(813) 931-1145
Closed Now
2805 W Busch Blvd #219, Tampa, FL 33618, USA
General Services
Workers' Compensation Claims
Where they are 9 on the map Click a pin for the profile and directions
6

Mike Murburg, P.A.

With over 35 years focused exclusively on Social Security Disability cases, Mike Murburg, P.A. offers deep expertise in navigating Administrative Law Judges’ preferences. The team provides clear explanations and compassionate support throughout the process, though some clients note the traditional approach may feel old-fashioned.

Services & Prices
Claim Filing Assistance $300 - $500
Representation at Hearings $1000 - $3000
Will Preparation $150 - $400
Trust Establishment $500 - $1500
View Profile
(813) 264-5363
Closed Now
15501 N Florida Ave, Tampa, FL 33613, USA
General Services
Social Security Disability Services
7

Law Office of Brendan Conley

Specializing in Social Security Disability and SSI cases, the Law Office of Brendan Conley offers no-cost consultations and works on a contingency fee basis. The team handles denied claims and appeals with personal attention, and clients appreciate their clear communication and thorough support throughout the process. Some note occasional delays in response.

Services & Prices
Disability Application Assistance $300 - $500
Hearing Representation $2000 - $3500
Initial Appeal Filing $100 - $300
Representation at Appeals Council $1500 - $3000
View Profile
(813) 444-2889
Closed Now
7320 E Fletcher Ave, Tampa, FL 33637, USA
General Services
Social Security Disability Services
8

Avard Law Offices

Avard Law Offices focuses on Social Security Disability and Personal Injury cases, offering free consultations to better understand each client’s situation. Their multilingual team supports clients throughout Florida, providing clear communication and steady updates during often lengthy processes. Clients appreciate their patience and honest approach, though some cases can take time to resolve.

Services & Prices
SSI Claims $1000 - $2000
Disability Appeals $1200 - $2500
Filing Assistance $50 - $150
Form Preparation $75 - $200
View Profile
(727) 895-2217
Closed Now
550 N Reo St #300, Tampa, FL 33609, USA
General Services
Disability Advocacy
9

Harris & Riviere, Attorneys at Law

With over 75 years of combined experience and board certification in workers’ compensation, Harris & Riviere focuses on helping clients secure benefits like SSDI, SSI, Medicare, Medicaid, and workers’ compensation claims. The team is known for being knowledgeable and caring, though some callers have noted limited services for certain disability cases.

Services & Prices
SSI Disability Claims $100 - $300
Disability Appeals $200 - $500
Child Disability Claims $150 - $350
View Profile
(813) 229-2667
Closed Now
304 S Fielding Ave, Tampa, FL 33606, USA
General Services
Disability Law Services

Latest reviews of Tampa Disability Lawyers

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

    I am not a happy client at all. I went with out work for over a year. I sent every doctor visit testing and ER visit. I did my case I was the only one who kept in contact the first year and half. I never recd an email or call from them until two weeks before court. Then told it was my fault I was no…

Tampa Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Farah & Farah 4.6 309 $200 (813) 358-0490 Visit
2 Dax J. Lonetto, Sr., PLLC 4.7 87 $300 — Visit
3 Coffman Law 5.0 51 $500 (866) 507-7030 Visit
4 Nyman Turkish PC 4.7 54 $50 (877) 529-4773 Visit
5 Christopher J Smith PA 4.7 36 $200 (813) 931-1145 Visit
6 Mike Murburg, P.A. 4.8 30 $150 (813) 264-5363 Visit
7 Law Office of Brendan Conley 4.9 29 $100 (813) 444-2889 Visit
8 Avard Law Offices 4.4 16 $50 (727) 895-2217 Visit
9 Harris & Riviere, Attorneys at Law 4.2 11 $100 (813) 229-2667 Visit

How this Tampa 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 Tampa LTD settlement calculator work?
The calculator estimates back pay owed, future benefits to age 65, their present value, and typical settlement ranges based on claim status, policy type, and more.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered instead of ongoing benefits. It typically ranges from 30-75% of the present value of future benefits, plus any back pay.
Why might my LTD settlement be less than full value?
Settlements often reflect a percentage of future benefits due to uncertainties in claims. Typical ranges are 30-75% of the present value, depending on claim status.
What should I do if my LTD claim is denied in Florida?
For employer plans under ERISA, file an internal appeal within 180 days. For other plans, state law applies, and you may have different options.
Are LTD settlements taxable in Tampa?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax dollars, 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.
Can I sue for LTD benefits in Florida?
Under ERISA, you must appeal first, then sue in federal court. For non-ERISA plans, state law applies, and you may sue in state court.
How accurate is the LTD settlement estimate?
The estimate is based on typical ranges and policy details but is not a guarantee. Variations depend on specific claim factors.
What is the deadline for appealing an LTD denial in Florida?
For ERISA-governed plans, you must appeal within 180 days of denial. For non-ERISA plans, deadlines may vary under state law.

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