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

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 Indianapolis

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

1

The Law Office of Francis R. Niper

Verified

With over 23 years of experience in Social Security Disability and healthcare law, this office helps clients apply for benefits and appeal denials. The team guides you through each step with clear explanations and responsive communication. Clients appreciate their thoroughness and support throughout the process.

Services & Prices
Initial Disability Application $300 - $500
Disability Appeal Representation $500 - $700
View Profile
(317) 617-7023
Open 8:00 AM - 8:00 PM
55 Monument Cir 7th floor, Indianapolis, IN 46204, USA
General Services
Disability Services
2

Hankey Law Office

Hankey Law Office focuses on Social Security disability claims, helping clients navigate the often complex application and appeal process. Their team handles cases involving mental and physical health conditions that impact work, with many clients appreciating their responsiveness and support throughout hearings. Some have noted occasional communication gaps during critical moments.

Services & Prices
Bicycle Accident Claims No Win, No Fee
Cyclist Injury Claims No Win, No Fee
Driver Negligence Cases No Win, No Fee
Social Security Disability Insurance (SSDI) Claim $2000 - $3000
View Profile
(317) 834-7689
Closed Now
429 E Vermont St # 200, Indianapolis, IN 46202, USA
General Services
Bicycle Accident Representation
3

Pinyerd Disability Law Office

Pinyerd Disability Law has over a decade of experience handling claims involving the Social Security Administration, VA benefits, and private insurers. The team personally manages each case, guiding clients through the process with clear communication and compassionate support. Some clients note occasional delays in returning calls, but many appreciate the professional and attentive service.

Services & Prices
Social Security Disability Claim $3000 - $5000
Veterans Affairs Disability Claim $2000 - $4000
Disability Appeal Representation $2500 - $4500
Emotional Support During Process $50 - $150
View Profile
(317) 348-1800
Open 8:00 AM - 8:00 PM
9201 N Meridian St Suite 210, Indianapolis, IN 46260, USA
General Services
Disability Claim Assistance
4

Keller & Keller

Keller & Keller focuses on Social Security Disability claims and Medicare issues, offering ongoing support beyond legal representation. Their team also handles construction accident cases involving unsafe equipment. Clients appreciate their thorough communication and compassionate approach, though some note cases can take time to resolve.

Services & Prices
Auto Accident Claims No Win, No Fee
Car Accident Claims No Win, No Fee
Rear-End Collision Claims No Win, No Fee
Slip and Fall Cases No Win, No Fee
View Profile
(317) 926-1111
Open 00:00 - 23:59
2850 N Meridian St, Indianapolis, IN 46208, USA
General Services
Car Accident Representation
5

The Law Office of Scott D. Lewis, Attorney at Law, LLC

Focused on representing disabled clients and their families, this law office assists with Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims, especially after denials. The team is known for clear communication and compassionate support throughout the often confusing claims process, though some cases may take time to resolve.

Services & Prices
SSI Application Assistance $500 - $1500
SSDI Application Assistance $500 - $1500
Disability Appeal Representation $1000 - $2500
Hearing Strategy Development $300 - $1000
View Profile
(317) 423-8888
Open 00:00 - 23:59
428 N College Ave, Indianapolis, IN 46202, USA
General Services
Disability Claims Assistance
Where they are 10 on the map Click a pin for the profile and directions
6

Hanley Disability

Hanley Disability specializes in Social Security Disability advocacy, assisting clients who can no longer work due to health issues. The team offers support throughout the application process and maintains timely communication, though some clients have noted occasional organizational challenges. Many appreciate their responsiveness and the sense of ease they provide during stressful times.

Services & Prices
Initial Claim Filing $200 - $400
Appeals Process $400 - $700
Hearing Representation $1000 - $2500
Eligibility Assessment $50 - $100
View Profile
(317) 290-1800
Closed Now
5460 Lafayette Rd B, Indianapolis, IN 46254, USA
General Services
Disability Claims Assistance
7

Michael G. Myers

Specializing in Social Security disability claims, this office assists clients navigating the complex SSDI and SSI application processes. The team offers guidance on eligibility and documentation but has received mixed feedback regarding communication and case management. Some clients appreciate the thorough consultations, while others note delays and missed deadlines.

Services & Prices
Social Security Disability Claims $500 - $1500
Appeals for Denied Claims $400 - $1200
Review of Medical Records $80 - $150
Representation at Hearings $300 - $800
View Profile
(317) 489-4066
Closed Now
906 N Delaware St, Indianapolis, IN 46202, USA
General Services
Disability Representation
8

Ted Smith Attorney at Law

Specializing in Social Security Disability cases, Ted Smith Attorney at Law offers knowledgeable guidance through complex regulations and appeals. The team helps clients prepare thoroughly for hearings and stays accessible throughout the process. While some find initial consultations brief, many appreciate the clear communication and dedicated support during challenging times.

Services & Prices
Disability Application Assistance $500 - $1000
Hearing Representation $1500 - $3000
View Profile
Closed Now
8888 Keystone Crossing #1300, Indianapolis, IN 46240, USA
General Services
Disability Law
9

The Law Offices of Steven R. Jacobs and Gregory Beckwith

Specializing exclusively in Social Security Disability and Supplemental Security Income claims, this law office brings decades of combined experience to assist clients in navigating complex benefit processes. The team is known for clear communication and straightforward guidance, though some clients note it’s helpful to confirm the correct office address before visiting.

View Profile
(812) 337-8000
Closed Now
151 N Delaware St Suite 1620, Indianapolis, IN 46204, USA
10

Law Office of Annette Rutkowski LLC

Focused on Social Security Disability cases, the Law Office of Annette Rutkowski LLC offers thorough guidance through the complex rules and processes involved. The team prepares clients carefully for hearings and is known for direct communication, though some find the approach blunt. Clients often appreciate the genuine care and attention given throughout their cases.

Services & Prices
Social Security Disability Claims $500 - $1500
Social Security Appeals $1000 - $3000
Administrative Hearings $1500 - $5000
Court Appearances $2000 - $4000
View Profile
(317) 550-3586
Closed Now
301 E Carmel Dr G003, Carmel, IN 46032, USA
General Services
Social Security Legal Services

Latest reviews of Indianapolis Disability Lawyers

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

    Had an open and shut case. So open and shut that another agency was able to get me the help I needed. They contacted me once before my hearing, and then completely fumbled my hearing. We had no cohesion on topic. Needless to say they quickly stopped messaging all together. Still confused on the crit…

  • Brenda

    We worked with Ilona and Keith very professional and very caring always answered calls and answered questions made sure we understood what they were telling us would highly recommend this law firm

  • Jax

    I've called four times. I received one call back to return a call to J.R. /or/ R.J. I've called twice more - Nothing! I've done two screenings, why two? IDK. No follow-up, no calls for over 2 weeks now. So and so will return your call.... blah, blah, blah I hope they don't read this and suddenly ret…

  • Joann

    I highly recommend Keller & Keller is you are dealing with Social Security Disability Claims and Medicare confusion! I was an In-house Accountant for 30 years, INDT Engineer Degree; and when it hit, I needed protection! Keller & Keller, Steven Miller, Case Manager stepped in and dealt with Social Se…

  • Wiley

    Keeps in contact, cares about his clients.... highly recommend

Indianapolis Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 The Law Office of Francis R. Niper 5.0 7 $300 (317) 617-7023 Visit
2 Hankey Law Office 4.9 499 $1,500 (317) 834-7689 Visit
3 Pinyerd Disability Law Office 4.9 152 $50 (317) 348-1800 Visit
4 Keller & Keller 4.8 103 No Win, No Fee (317) 926-1111 Visit
5 The Law Office of Scott D. Lewis, Attorney at Law, LLC 4.8 95 $100 (317) 423-8888 Visit
6 Hanley Disability 4.4 65 $50 (317) 290-1800 Visit
7 Michael G. Myers 3.9 47 $80 (317) 489-4066 Visit
8 Ted Smith Attorney at Law 4.6 9 $500 — Visit
9 The Law Offices of Steven R. Jacobs and Gregory Beckwith 5.0 5 — (812) 337-8000 Visit
10 Law Office of Annette Rutkowski LLC 3.7 6 $300 (317) 550-3586 Visit

How this Indianapolis 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.

Indiana 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 Indiana 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

10 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 lump-sum settlement range based on your claim status and policy details.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your LTD claim, typically 30-75% of future benefits' present value, depending on claim status.
Why are LTD settlements below full value?
Settlements are lower to account for the risk and uncertainty of future payments, typically ranging from 30-75% of future benefits' present value.
What should I do if my LTD claim is denied in Indiana?
Under ERISA, file an internal appeal within 180 days. For non-ERISA plans, you may sue in state court where bad-faith damages might apply.
How does an SSDI offset affect my LTD benefits?
Most policies reduce your LTD benefit by any SSDI received, affecting the total amount you receive monthly.
Are LTD settlements taxable in Indiana?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax dollars, they are generally not. Seek tax advice.
What is the difference between own-occupation and any-occupation in LTD policies?
Many policies switch from covering your own occupation to any occupation after 24 months, affecting eligibility for continued benefits.
How accurate is the LTD settlement calculator?
The calculator provides estimates based on typical ranges and policy details, but actual settlements depend on specific circumstances.
What is the deadline for filing an LTD appeal in Indianapolis?
For ERISA-governed plans, you must file an internal appeal within 180 days of denial.
How is back pay calculated for LTD claims?
Back pay is calculated based on unpaid benefits from the date of claim denial or cutoff to the current date.

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