Long-Term Disability Settlement Calculator Lexington, KY
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
Individual policies can cap the monthly benefit or end at a different age. Check your policy schedule.
Enter your monthly benefit, or your salary.
The 2026 average is about $1,630 a month.
Count from when benefits stopped (or should have started) until today.
Enter your age (18 or older, below the age benefits end).
Spencer Law Group
4.6 · 95 reviews · Disability claims
Free claim review →
Frank Jenkins Law Office
4.4 · 100 reviews · Disability claims
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Mehr Fairbanks & Peterson Trial Lawyers, PLLC
4.9 · 58 reviews · Disability claims
Free claim review →
General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Lexington
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Spencer Law Group
Spencer Law Group specializes in Social Security Disability cases, helping clients navigate the complex process of applying for benefits. Their team offers prompt communication and thorough support, coordinating medical treatment and negotiations with insurers. Clients appreciate their hard work and personal approach, though experiences can vary.
Frank Jenkins Law Office
Frank Jenkins Law Office focuses on Social Security Disability Insurance (SSDI) claims, guiding clients through the complex process of proving permanent disability. The team handles detailed documentation and appeals with clear communication and empathy, though some clients note delays in receiving back pay after case resolution. Many appreciate their supportive and accessible approach.
Mehr Fairbanks & Peterson Trial Lawyers, PLLC
Specializing in bad-faith insurance and ERISA disability cases, Mehr Fairbanks & Peterson Trial Lawyers, PLLC represents clients across Kentucky and beyond. The team focuses on helping clients recover denied benefits, often navigating complex disputes with insurance companies. Clients appreciate their clear communication and genuine care throughout challenging cases.
Better Business Bureau of Central & Eastern Kentucky
Better Business Bureau of Central & Eastern Kentucky focuses on promoting trust and accountability between consumers and local businesses. They provide guidance on marketplace issues, scam alerts, and business advice, with a team known for being helpful and courteous. Some users note limited direct interaction but appreciate the resources offered.
Cornett Law Office
With over 35 years of experience handling Social Security disability claims, Cornett Law Office assists clients with benefits including SSD, Disabled Widow/Widowers, Disabled Adult Children, and Supplemental Security Income. The team is known for being knowledgeable and straightforward, though some clients find their communication style direct and busy.
Davis & Haymond, P.S.C.
Davis & Haymond, P.S.C. focuses on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims, helping clients navigate applications and appeals. Their team reviews medical records and paperwork carefully, working closely with clients to improve outcomes. While many appreciate their professionalism and clear communication, a few note occasional delays in returning… more...
Davis & Haymond, P.S.C. focuses on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims, helping clients navigate applications and appeals. Their team reviews medical records and paperwork carefully, working closely with clients to improve outcomes. While many appreciate their professionalism and clear communication, a few note occasional delays in returning calls.
Stromatt & Associates
Stromatt & Associates focuses on guiding clients through the complex Social Security disability process, helping gather evidence and maintaining communication with the administration. Their team handles claims persistently, often supporting clients through multiple denials until all options are exhausted. While many appreciate their thoroughness and personal care, some have noted challenges with… more...
Stromatt & Associates focuses on guiding clients through the complex Social Security disability process, helping gather evidence and maintaining communication with the administration. Their team handles claims persistently, often supporting clients through multiple denials until all options are exhausted. While many appreciate their thoroughness and personal care, some have noted challenges with communication in difficult cases.
Varellas & Varellas
Varellas & Varellas focuses on Social Security Disability Insurance cases, helping clients gather the necessary evidence to prove eligibility. The team also handles personal injury claims with careful attention to detail and clear communication throughout the process. While their fees may be higher than some, clients appreciate their thoroughness and persistence in pursuing results.
Robert Abell Law : Robert L. Abell
Robert L. Abell is a lawyer representing individuals, families, and sometimes small businesses. He could be called a trial attorney. These cases include cases of discrimination in sex, race, age, disability, discrimination, and wrongful discharge. This practice includes representation of clients in accident and personal injury cases as well as disability insurance cases. It also handles complex… more...
Robert L. Abell is a lawyer representing individuals, families, and sometimes small businesses. He could be called a trial attorney. These cases include cases of discrimination in sex, race, age, disability, discrimination, and wrongful discharge. This practice includes representation of clients in accident and personal injury cases as well as disability insurance cases. It also handles complex civil cases. Robert started his career in New York City as a Public Defender for the Legal Aid Society. He also has a significant criminal defense practice. Client representation is about understanding their needs and understanding the legal and factual context. It takes time, and clients must be involved and contacted.
Brooks McComb & Fields, LLP
Since 1993, our attorney at Brooks McComb & Fields, LLP has been providing individualized representation, accessible service, and fearless advocacy for injured individuals throughout southeastern Georgia. Whether you were hurt in a truck accident, a car accident, or another instance where negligence was at play, we are prepared to fight for you and seek the compensation you deserve. Brooks… more...
Since 1993, our attorney at Brooks McComb & Fields, LLP has been providing individualized representation, accessible service, and fearless advocacy for injured individuals throughout southeastern Georgia. Whether you were hurt in a truck accident, a car accident, or another instance where negligence was at play, we are prepared to fight for you and seek the compensation you deserve. Brooks Lawyers is a regional law firm based in Yarrawonga and Rutherglen. Having an office on the border, our team is experienced and qualified to provide legal services in both Victoria and New South Wales jurisdictions. Our team offers a broad range of legal services with a particular interest in wills & estates, conveyancing, personal injury, and family law. Founded by Dale Brooks and later joined by Phil West, our team also comprises a great team of law clerks and conveyancers.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Spencer Law Group | 4.6 | 95 | $100 | (859) 252-4357 | Visit |
| 2 | Frank Jenkins Law Office | 4.3 | 100 | $400 | (859) 389-9344 | Visit |
| 3 | Mehr Fairbanks & Peterson Trial Lawyers, PLLC | 4.9 | 58 | $300 | (800) 249-3731 | Visit |
| 4 | Better Business Bureau of Central & Eastern Kentucky | 4.1 | 43 | $50 | (859) 259-1008 | Visit |
| 5 | Cornett Law Office | 4.5 | 26 | $1,000 | (502) 868-5300 | Visit |
| 6 | Davis & Haymond, P.S.C. | 4.1 | 28 | $150 | (859) 624-3380 | Visit |
| 7 | Stromatt & Associates | 4.7 | 23 | $150 | (859) 246-0246 | Visit |
| 8 | Varellas & Varellas | 5.0 | 10 | $1,500 | (859) 252-4473 | Visit |
| 9 | Robert Abell Law : Robert L. Abell | 2.5 | 4 | — | (859) 254-7076 | Visit |
| 10 | Brooks McComb & Fields, LLP | 5.0 | 1 | — | (859) 233-3366 | Visit |
How this Lexington long-term disability calculator works
This calculator adds two numbers. Back pay is the monthly benefit your policy should have paid (capped at the policy maximum if it has one, less any SSDI or workers' comp offset) multiplied by the months it has been unpaid. Benefits only start after your policy's waiting (elimination) period, so count unpaid months from the end of that period. Future benefits are the same monthly amount until your policy's end age (usually 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. If your benefit is taxable, it also shows roughly what you keep each month after tax.
Kentucky 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. If your benefit has a cost-of-living adjustment (COLA), the calculator uses 1% instead: your payments grow with inflation, so less is taken off for the time value of money.
- 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). Workers' compensation are usually deducted too.
- 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.
- Recovery and life expectancy
- Insurers rarely pay every month to the end date: they will argue you may recover or that your condition shortens your life expectancy. These arguments are complex and differ case by case, so have an attorney assess how they apply to you.
General information about Kentucky 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 questionsHow does the long-term disability settlement calculator work?
What is a long-term disability buyout?
Why are LTD settlements below full value?
What if my long-term disability claim is denied in Kentucky?
How does SSDI affect my LTD benefits in Lexington?
Is my LTD settlement taxable in Kentucky?
What is the own-occupation vs any-occupation test?
How is back pay different from future benefits in LTD claims?
What are Kentucky's deadlines for LTD appeals?
General information, not legal advice — consult a licensed Kentucky attorney.