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Review Keywords Analysis

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

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 Chicago

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

1

Klain & Associates

Klain & Associates focuses on helping clients navigate the challenging process of applying for Social Security Disability benefits, especially after claim denials. Their team handles paperwork, communication with the SSA, and case representation with patience and clear guidance. Clients appreciate their responsiveness and the support they provide throughout the process.

Services & Prices
SSI Application Assistance $500 - $1500
SSDI Application Assistance $500 - $1500
Claim Appeals $1000 - $3000
Full Case Representation $1000 - $5000
View Profile
(800) 818-4357
Closed Now
180 N Stetson Ave Ste 2800,Chicago, IL 60601
General Services
Disability Claims
2

Nash Disability Law

Nash Disability Law focuses on helping clients navigate the challenging Social Security disability process, including appeals after initial denials. The team handles claims with clear communication and regular updates, and clients appreciate their responsiveness and compassionate approach. Some find the process confusing, but the firm stays engaged throughout each step.

Services & Prices
Claim Filing Assistance $300 - $500
Appeal Representation $1000 - $2000
View Profile
(312) 443-0900
Closed Now
8 S Michigan Ave Ste 1616, Chicago, IL 60603, USA
General Services
Disability Law Services
3

Richard I. Feingold & Associates, P.C.

Specializing in Social Security disability cases, Richard I. Feingold & Associates, P.C. offers thorough guidance throughout the application and appeal process. The team is known for clear communication and personal attention, often going beyond typical office hours to support clients. Some find the process lengthy, but many appreciate the firm’s honest updates and caring approach.

Services & Prices
Initial Application Assistance $500 - $1500
Denial Appeal Representation $1000 - $3000
Hearing Representation $2500 - $5000
Application Filing Support $300 - $1000
View Profile
(773) 989-9899
Closed Now
20 S Clark St Suite 700, Chicago, IL 60603, USA
General Services
Social Security Disability Representation
4

Social Security Disability Attorney

Specializing in Social Security disability claims, this firm guides clients through the complex application and appeals process. The team handles paperwork and communication with Social Security, keeping clients informed and supported. While some have experienced delays in communication, many appreciate the thoroughness and personal attention throughout their cases.

Services & Prices
Social Security Disability Claim Filing $500 - $1000
Appeals for SSI Decisions $700 - $1200
View Profile
(872) 529-9377
Closed Now
10 N Dearborn St #500,Chicago, IL 60602
General Services
Disability Representation
5

Gramenos Law Group, LLC

With over 40 years of combined experience, Gramenos Law Group helps clients navigate Social Security Disability claims, including SSDI and SSI. The team manages medical records and appeals deadlines while keeping clients updated through dedicated case managers. Many appreciate their thorough communication and support throughout the process.

Services & Prices
SSDI Application Assistance $500 - $1500
Appeal for SSDI Denial $1000 - $3000
Hearings Representation $800 - $2000
View Profile
(888) 983-3890
Closed Now
500 W Madison St Ste 1000, Chicago, IL 60661, USA
General Services
Disability Representation
Where they are 9 on the map Click a pin for the profile and directions
6

The Good Law Group

With over 30 years of experience in Social Security Disability law, The Good Law Group assists clients through every step of applying for SSD and SSI benefits. Their team handles applications, appeals, and reconsiderations, earning praise for clear communication and compassionate support, though some note it can be challenging to reach them at times.

Services & Prices
Social Security Disability Representation $3000 - $5000
Disability Appeals $2000 - $4000
Closing Services $500 - $1500
Title Searches $200 - $500
View Profile
(312) 629-1212
Closed Now
100 N La Salle St Ste 2400, Chicago, IL 60602, USA
General Services
Disability Law
7

Law Offices of Timothy R. White, P.C.

With nearly two decades focused solely on Social Security Disability claims, the Law Offices of Timothy R. White, P.C. helps clients navigate the complex application and appeals process. The team handles all the legwork, guiding clients on necessary evidence and preparing them for hearings, with many appreciating their responsiveness and clear communication throughout the often stressful process.

Services & Prices
Appeals and Hearings $500 - $1000
Full Case Representation $2000 - $5000
View Profile
(773) 637-0505
Closed Now
6832 W North Ave #3B, Chicago, IL 60707, USA
General Services
Disability Law
8

Daley Disability Law, P.C.

With over 50 years of combined experience, Daley Disability Law, P.C. focuses on Social Security disability claims and appeals, including cases at the federal court level. Clients appreciate the team’s reliability and responsiveness throughout often lengthy and complex processes. Some note the journey can be challenging, but the firm remains supportive from start to finish.

Services & Prices
Social Security Disability Claims $3000 - $5000
Long-Term Disability Claims $2000 - $4000
Disability Appeals $2000 - $3500
View Profile
(312) 561-3030
Closed Now
4256 N Ravenswood Ave #104, Chicago, IL 60613, USA
General Services
Disability Law Services
9

Comerford Law Office, LLC

Comerford Law Office, LLC focuses on helping veterans and disabled individuals secure VA and Social Security disability benefits. The team handles appeals and complex cases with thorough preparation and clear communication. Clients appreciate the respectful treatment and consistent responsiveness, though some note that disability cases can require lengthy processes.

Services & Prices
Appeals Assistance $300 - $500
Claim Filing Support $200 - $400
Unemployability Approval $250 - $450
Initial Claim Representation $250 - $350
View Profile
(312) 863-8572
Closed Now
181 W Madison St Ste 4700,Chicago, IL 60602
General Services
VA Disability Claims

Latest reviews of Chicago Disability Lawyers

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

    Hi when I got denied for the second time I was very up set; it's been a week now and I've been thinking about : is it normal to get denied even when you ( well I heard Nash was the best ) even after having a 4.6starred lawyer; I can't work my mental disability won't let meee hold down a job: believe…

  • Nicole

    Good law firm thanks for helping me Nicole

  • Dianne

    I am very satisfied with all that you have done for me. I started in 2021 didn't think that I was going to get approved but you kept on. Now it is 2023 and I finally got it. So thank you very much for all your hard work. Dianne Walkup in Oklahoma

Chicago Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Klain & Associates 4.7 815 $200 (800) 818-4357 Visit
2 Nash Disability Law 4.6 100 $300 (312) 443-0900 Visit
3 Richard I. Feingold & Associates, P.C. 4.9 52 $300 (773) 989-9899 Visit
4 Social Security Disability Attorney 4.7 50 $500 (872) 529-9377 Visit
5 Gramenos Law Group, LLC 4.8 49 $500 (888) 983-3890 Visit
6 The Good Law Group 4.8 34 $200 (312) 629-1212 Visit
7 Law Offices of Timothy R. White, P.C. 4.9 26 $500 (773) 637-0505 Visit
8 Daley Disability Law, P.C. 4.3 13 $2,000 (312) 561-3030 Visit
9 Comerford Law Office, LLC 5.0 11 $200 (312) 863-8572 Visit

How this Chicago 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.

Illinois 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 Illinois 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?
The calculator estimates back pay, future benefits to age 65, their present value, and a typical settlement range based on your claim status, policy type, and other factors.
How accurate is the LTD settlement estimate?
The estimate uses typical ranges and assumptions. Actual settlements vary based on individual circumstances and negotiations with insurers.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered by insurers to settle future benefits. It's typically 30-75% of the present value of future benefits, plus back pay.
Why are LTD settlements below full value?
Insurers discount future benefits to account for uncertainties and the time value of money, offering a percentage of the present value.
What is the Illinois deadline for appealing a denied LTD claim?
Under ERISA, you must file an internal appeal within 180 days of denial. State law may vary for non-ERISA plans.
How do SSDI offsets affect my LTD benefits?
Most LTD policies reduce benefits by the amount of SSDI received, affecting the total benefits paid.
Is a lump sum from an LTD settlement taxable in Illinois?
If premiums were employer-paid or pre-tax, settlements are taxable. If after-tax, they generally are not. Consult a tax advisor.
What is the difference between 'own occupation' and 'any occupation' in LTD policies?
Policies often switch from 'own occupation' to 'any occupation' after 24 months, changing the criteria for disability benefits.
What should I do if my LTD claim is denied in Chicago?
File an internal appeal within 180 days if under ERISA. Consider consulting a professional for guidance based on your specific situation.

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