Long-Term Disability Settlement Calculator Boston, MA
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
The 2026 average is about $1,630 a month.
Enter your monthly benefit, or your salary.
Count from when benefits stopped (or should have started) until today.
Enter your age (18–64).
Law Office of Michael James Kelley
4.3 · 34 reviews · Disability claims
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The Law Office Of Alan H. Crede
5.0 · 14 reviews · Disability claims
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Rosenfeld & Rafik, P.C.
4.6 · 9 reviews · Disability claims
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General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Boston
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Law Office of Michael James Kelley
With decades of experience helping New Englanders secure Social Security Disability and Veterans Benefits, this office handles eligibility, applications, and ongoing claim support. The team keeps clients updated throughout the process and works on a contingency basis. Some clients note communication can be slow, but many appreciate the firm’s persistence and understanding approach.
The Law Office Of Alan H. Crede
Specializing in disability discrimination cases, The Law Office Of Alan H. Crede helps clients navigate issues like denied accommodations and wrongful treatment at work. The team offers clear communication and compassionate support throughout the legal process, though some clients note that cases can take time to resolve.
Rosenfeld & Rafik, P.C.
Rosenfeld & Rafik, P.C. focuses on helping individuals recover long-term disability and health insurance benefits, including ERISA claims. Their team works closely with clients facing chronic illnesses or disabilities, guiding them through complex legal processes with empathy and clear communication. Some clients note occasional delays, but many appreciate the firm’s thoroughness and personal… more...
Rosenfeld & Rafik, P.C. focuses on helping individuals recover long-term disability and health insurance benefits, including ERISA claims. Their team works closely with clients facing chronic illnesses or disabilities, guiding them through complex legal processes with empathy and clear communication. Some clients note occasional delays, but many appreciate the firm’s thoroughness and personal attention.
How this Boston 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.
Massachusetts 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 Massachusetts 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.