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Review Keywords Analysis

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

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 New Orleans

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

1

Dudley DeBosier Injury Lawyers

Dudley DeBosier Injury Lawyers focuses on helping clients secure Social Security Disability benefits and personal injury claims, including dog bite injuries. The team assists with preparing documents to improve chances of approval and stays communicative throughout the process. Clients appreciate their friendly approach and consistent updates, though some note the process can take time.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Workplace Injury Claims No Win, No Fee
View Profile
(504) 612-8195
Open 00:00 - 23:59
1100 Poydras St,New Orleans, LA 70163
General Services
Dog Bite Injury Claims
2

Mitchell & Associates, APLC

Mitchell & Associates focuses on helping injured workers navigate Louisiana’s complex workers’ compensation and Social Security Disability systems. Their team handles cases involving workplace injuries, personal injury, insurance disputes, and premises liability, guiding clients through each step with clear communication. Clients appreciate their accessibility and supportive approach, though some… more...

Mitchell & Associates focuses on helping injured workers navigate Louisiana’s complex workers’ compensation and Social Security Disability systems. Their team handles cases involving workplace injuries, personal injury, insurance disputes, and premises liability, guiding clients through each step with clear communication. Clients appreciate their accessibility and supportive approach, though some find the process inherently challenging.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Settlement Negotiation No Win, No Fee
View Profile
(504) 527-6433
Open 9:00 AM - 5:00 PM
615 Baronne St #300, New Orleans, LA 70113, USA
General Services
Workers' Compensation Claims
3

Wright Gray Injury Lawyers

Wright Gray Injury Lawyers focus on Social Security Disability claims, including cases that have been denied. They assist clients facing financial and health challenges by navigating the complexities of SSD benefits and also handle motorcycle accident injury claims. Clients appreciate their professionalism, clear communication, and genuine care throughout the process.

Services & Prices
Motorcycle Crash Claims No Win, No Fee
Rider Injury Claims No Win, No Fee
Road Hazard Cases No Win, No Fee
Medical Malpractice No Win, No Fee
View Profile
(504) 616-6462
Open 00:00 - 23:59
6619 Fleur De Lis Dr,New Orleans, LA 70124
General Services
Motorcycle Accident Representation
4

The Minias Law Firm

The Minias Law Firm specializes in navigating Social Security Disability applications and appeals, helping clients manage the complex SSA rules and deadlines. Their team guides you through each step, from initial filing to Administrative Law Judge appeals, with responsiveness and clear communication noted by clients. Some cases may face denials, but they assist with pursuing appeals when possible.

Services & Prices
Slip and Fall Cases No Win, No Fee
Premises Liability Cases No Win, No Fee
Property Owner Negligence No Win, No Fee
Survival Actions No Win, No Fee
View Profile
(504) 777-7529
Open 7:00 AM - 6:00 PM
1615 Poydras St Suite 900, New Orleans, LA 70112, USA
General Services
Slip and Fall & Premises Liability
5

Business Law Group, Louisiana

Business Law Group focuses on supporting Louisiana entrepreneurs by providing solid legal foundations that help prevent future issues. Their team handles business disputes, contract negotiations, and employment concerns, including disability discrimination cases. Clients appreciate their knowledgeable guidance and timely communication, though some note room for improvement in interpersonal skills.

Services & Prices
Business Formation (LLC Setup) $300 - $500
Contract Negotiation $200 - $400
Real Estate Transaction Assistance $400 - $800
Lease Agreement Review $100 - $300
View Profile
(504) 446-6506
Open 9:00 AM - 5:00 PM
900 Camp St, New Orleans, LA 70130, USA
General Services
Business Law Services
Where they are 10 on the map Click a pin for the profile and directions
6

Robert B. Landry III PLC

Specializing in employment law, Robert B. Landry III PLC assists clients facing workplace harassment, wrongful termination, and discrimination related to disabilities. The team offers clear guidance on rights and accommodations under the ADA, helping individuals navigate complex labor issues. Clients appreciate their responsiveness and thorough communication throughout the process.

Services & Prices
Consultation for Employment Issues No Fees Unless We Win
Contract Review No Win, No Fee
Representation in Employment Disputes Free Consultation
Legal Consultation No Win, No Fee
View Profile
(504) 500-4734
Open 9:00 AM - 5:00 PM
365 Canal St #2360, New Orleans, LA 70130, USA
General Services
Employment Law Services
7

Louisiana Bar Association

This network connects individuals with attorneys knowledgeable about disability-related legal issues across Louisiana parishes. It offers a resource for both the public and professionals seeking legal support in disability cases. While some find the information helpful, others note limitations in responsiveness and available assistance.

Services & Prices
Employment Verification Services $100 - $200
Insurance Claim Assistance $50 - $150
Mentorship Programs $0 - $100
Training Workshops $20 - $150
View Profile
(504) 566-1600
Open 8:30 AM - 4:30 PM
601 St Charles Ave # 200, New Orleans, LA 70130, USA
General Services
Legal Assistance
8

Doskey Law, PLC: Edward A. Doskey

Doskey Law, PLC focuses on representing disabled workers pursuing long-term disability benefits and related claims, including workers' compensation and insurance denials. The team handles complex cases involving ERISA and personal injury, often guiding clients through detailed medical and legal processes. Clients appreciate their clear communication and thorough attention to each case.

View Profile
(504) 684-4473
Open 9:00 AM - 6:00 PM
807 Howard Ave, New Orleans, LA 70113, USA
9

Lucy Killen Law Office

Loyd Bourgeois founded his Luling law office on River Road, in 2010. He was an independent practitioner for many years with no other staff. He practiced mainly disability law in those days. This included Social Security Disability as well as ERISA Long-Term Disability, which is the type usually offered by employers. Clients from the past frequently asked if Bourgeois handled personal injury and… more...

Loyd Bourgeois founded his Luling law office on River Road, in 2010. He was an independent practitioner for many years with no other staff. He practiced mainly disability law in those days. This included Social Security Disability as well as ERISA Long-Term Disability, which is the type usually offered by employers. Clients from the past frequently asked if Bourgeois handled personal injury and car accident cases. Sometimes they'd call to complain that another lawyer in their area had been hired for an auto-injury case. But they didn't get the same attention or information as the Bourgeois. Bourgeois was determined to assist his clients in their legal proceedings and expanded into personal injuries. Individuals with a severe disability, such as a permanent or temporary handicap, can receive benefits from the Social Security Administration (SSA). While there are many programs that may allow people with disabilities to be eligible for Social Security Disability Insurance, the Social Security Disability Insurance program (SSDI), is one of the most significant. SSDI provides financial support to disabled people based on their income and work history. It can also be very helpful for individuals who are unable to pay their living expenses.

View Profile
(504) 383-3771
Closed Now
935 Gravier St Suite 1002, New Orleans, LA 70112, USA
10

William A. Barousse

William Barousse is an experienced New Orleans personal injury attorney. Mr. Barousse’s success in the legal profession is the result of knowing the law and working hard for his clients. Mr. Barousse has settled hundreds of cases and tried over a dozen cases and uses his experience to help his clients. Though he has handled many cases over many years, William understands that each case is… more...

William Barousse is an experienced New Orleans personal injury attorney. Mr. Barousse’s success in the legal profession is the result of knowing the law and working hard for his clients. Mr. Barousse has settled hundreds of cases and tried over a dozen cases and uses his experience to help his clients. Though he has handled many cases over many years, William understands that each case is different and that the best way to achieve the best results for his clients is to understand his individual client’s needs, be creative, and be dedicated to working hard to achieve the best results for his clients. William is your attorney and is here to help you.

View Profile
(504) 517-3295
Open 8:30 AM - 5:00 PM
1100 Poydras St Suite 2810, New Orleans, LA 70163, USA
New Orleans Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Dudley DeBosier Injury Lawyers 4.8 503 No Win, No Fee (504) 612-8195 Visit
2 Mitchell & Associates, APLC 5.0 81 No Win, No Fee (504) 527-6433 Visit
3 Wright Gray Injury Lawyers 4.9 63 No Win, No Fee (504) 616-6462 Visit
4 The Minias Law Firm 5.0 31 No Win, No Fee (504) 777-7529 Visit
5 Business Law Group, Louisiana 4.9 22 $100 (504) 446-6506 Visit
6 Robert B. Landry III PLC 4.8 19 No Fees Unless We Win (504) 500-4734 Visit
7 Louisiana Bar Association 3.1 29 $5 (504) 566-1600 Visit
8 Doskey Law, PLC: Edward A. Doskey 5.0 6 — (504) 684-4473 Visit
9 Lucy Killen Law Office 5.0 1 — (504) 383-3771 Visit
10 William A. Barousse 5.0 1 — (504) 517-3295 Visit

How this New Orleans 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.

Louisiana 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 Louisiana 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?
It estimates back pay owed, future benefits to age 65, their present value, and a typical lump-sum settlement range based on policy details and claim status.
How accurate is the LTD settlement estimate for New Orleans?
The estimate is based on typical ranges and policy details but is not a guarantee. Actual settlements vary based on individual circumstances and negotiations.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered instead of ongoing monthly benefits, typically 30-75% of the present value of future benefits, plus back pay.
Why are LTD settlements below full value?
Settlements are lower due to negotiation factors, present value calculations, and risk assessments by insurers. They reflect a compromise between parties.
What is the deadline for appealing a denied LTD claim in Louisiana?
Under ERISA, you must file an internal appeal within 180 days of denial. State law may apply if the plan is not governed by ERISA.
How do SSDI benefits affect my LTD settlement in Louisiana?
Most LTD policies reduce benefits by any SSDI received. This offset is considered in the settlement calculation.
Is a lump-sum LTD settlement taxable in New Orleans?
If your employer paid premiums or you used pre-tax dollars, settlements are taxable. If paid with after-tax money, they are generally not. Seek tax advice.
What is the difference between 'own occupation' and 'any occupation'?
Many LTD policies switch from covering your own occupation to any occupation after 24 months, affecting eligibility for continued benefits.
What can I do if my LTD claim is denied in Louisiana?
File an internal appeal within 180 days if under ERISA. If not, state law applies, and you may have other legal options.
How is back pay calculated for a denied LTD claim?
Back pay is calculated from the date benefits were stopped to the present, based on policy terms and monthly benefit amounts.

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