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  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in Maryland
  4. Baltimore
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
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Long-Term Disability Settlement Calculator Baltimore, MD

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 Baltimore

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

1

Alex Poberesky, P.A., Law Offices

Specializing in criminal defense and personal injury cases, Alex Poberesky, P.A., Law Offices offers experienced legal support for accidents, DUIs, and other charges. Clients appreciate the team’s clear communication and respectful approach, though some note the process can require patience as cases progress.

Services & Prices
Car Accident Representation $1500 - $5000
Slip and Fall Cases $1200 - $3000
Bodily Injury Claims $2000 - $7000
Speeding Tickets $500 - $1500
View Profile
Open 00:00 - 23:59
104 Church Ln #201, Pikesville, MD 21208, USA
General Services
Personal Injury Law
2

Plaxen Adler Muncy, P.A.

Plaxen Adler Muncy, P.A. specializes in representing injury victims across Maryland, handling cases like automobile accidents, premises liability, and workers’ compensation. Clients appreciate the team’s clear communication and dedication, though some note the complexity of legal processes can require patience throughout their case.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Workers' Compensation Claims No Win, No Fee
View Profile
(410) 701-2242
Closed Now
575 S Charles St Suite 504, Baltimore, MD 21201, USA
General Services
Dog Bite Injury Claims
3

Steven H. Heisler

Specializing in social security disability and workers’ compensation claims, this law office has over 20 years of experience assisting clients through complex legal processes. The team is known for being attentive and responsive, guiding individuals and families with clear communication and support. Some clients note the process can be challenging, but appreciate the thoroughness and care… more...

Specializing in social security disability and workers’ compensation claims, this law office has over 20 years of experience assisting clients through complex legal processes. The team is known for being attentive and responsive, guiding individuals and families with clear communication and support. Some clients note the process can be challenging, but appreciate the thoroughness and care provided.

Services & Prices
Car Accident Representation $100 - $200
Workers Compensation Claims $150 - $250
View Profile
(410) 625-4878
Closed Now
1011 N Calvert St, Baltimore, MD 21202, USA
General Services
Personal Injury Law
4

Mering & Schlitz, llc

Mering & Schlitz, LLC focuses on helping individuals secure Social Security and Supplemental Income benefits, including handling appeals before the Fourth Circuit Court of Appeals. The team is known for being responsive and knowledgeable, though clients note that strong medical documentation is essential for success in disability cases.

Services & Prices
Social Security Disability Application $1000 - $3000
Disability Case Appeal $1500 - $3500
Representation in Court Hearings $1500 - $4000
Advocacy for Disability Benefits $1200 - $3500
View Profile
(410) 837-8817
Closed Now
343 N Charles St, Baltimore, MD 21201, USA
General Services
Disability Law
5

The Law Office of Fred S. London P.C.

Specializing in disability claims, this firm guides clients through Social Security applications and hearings with a focus on gathering medical evidence and ensuring accurate benefit calculations. The team is known for keeping clients informed and handling complex paperwork, though some note limited direct lawyer interaction during hearings.

Services & Prices
Disability Claim Assistance $1000 - $2000
Disability Appeal Services $800 - $1500
Social Security Disability Representation $1200 - $2500
Medical Coverage Assessment $200 - $400
View Profile
(410) 685-3737
Closed Now
400 E Pratt St # 510, Baltimore, MD 21202, USA
General Services
Disability Law Services
Where they are 8 on the map Click a pin for the profile and directions
6

Law Offices of Roger S. Weinberg, LLC

Specializing in nursing home, assisted living, and developmental disability cases, Law Offices of Roger S. Weinberg, LLC supports Maryland families facing abuse or wrongful death claims. The team offers clear communication and compassionate guidance through complex legal processes, though some clients note the emotional difficulty involved in these cases.

Services & Prices
Lawsuit Representation $5000 - $10000
Settlement Negotiation $3000 - $7000
Claim Filing $200 - $400
Investigation Services $500 - $1000
View Profile
(410) 825-3161
Closed Now
502 Washington Ave #320, Towson, MD 21204, USA
General Services
Wrongful Death Litigation
7

Pilla Kenneth J

Specializing in Social Security Disability claims, this team assists clients in navigating benefits for disabilities, medical conditions, or injuries that impact work ability. They offer guidance on eligibility for disability benefits and Supplemental Security Income, with representatives who understand the documentation SSA requires. While many appreciate their responsiveness and support, some… more...

Specializing in Social Security Disability claims, this team assists clients in navigating benefits for disabilities, medical conditions, or injuries that impact work ability. They offer guidance on eligibility for disability benefits and Supplemental Security Income, with representatives who understand the documentation SSA requires. While many appreciate their responsiveness and support, some have noted delays in appeal filings.

Services & Prices
Initial Application $300 - $500
Appeals Process $600 - $800
Hearing Representation $1000 - $1500
SSI Application Support $300 - $500
View Profile
(410) 467-9324
Closed Now
516 N Charles St Suite 201, Baltimore, MD 21201, USA
General Services
Disability Benefit Assistance
8

Belsky, Weinberg & Horowitz, LLC

Belsky, Weinberg & Horowitz, LLC focuses on personal injury cases, guiding clients through complex legal processes with clear explanations and steady support. Their team handles tough insurance disputes and trials, often praised for professionalism and effective communication, though the cases themselves can be emotionally challenging.

View Profile
(410) 234-0100
Closed Now
220 N Liberty St, Baltimore, MD 21201, USA
Baltimore Disability Lawyers stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Alex Poberesky, P.A., Law Offices 5.0 371 $300 — Visit
2 Plaxen Adler Muncy, P.A. 5.0 84 $1,500 (410) 701-2242 Visit
3 Steven H. Heisler 4.1 86 $100 (410) 625-4878 Visit
4 Mering & Schlitz, llc 4.8 53 $800 (410) 837-8817 Visit
5 The Law Office of Fred S. London P.C. 3.8 44 $100 (410) 685-3737 Visit
6 Law Offices of Roger S. Weinberg, LLC 5.0 16 $200 (410) 825-3161 Visit
7 Pilla Kenneth J 4.1 10 $100 (410) 467-9324 Visit
8 Belsky, Weinberg & Horowitz, LLC 4.3 6 — (410) 234-0100 Visit

How this Baltimore 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.

Maryland 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 Maryland 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

8 questions
How does the Baltimore LTD 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 your claim details.
Why are LTD settlements lower than full value?
Settlements are usually 30-75% of future benefits' present value due to risk and uncertainty factors. Back pay is added separately.
What should I do if my LTD claim is denied in Maryland?
Under ERISA, file an internal appeal within 180 days. For non-ERISA plans, state law applies, and you may sue in state court.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle your LTD claim, typically 30-75% of future benefits' present value, plus back pay.
Are LTD settlements taxable in Maryland?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax dollars, they generally aren't. Consult a tax advisor.
What is the deadline for an LTD appeal in Baltimore?
For ERISA-governed plans, you must appeal within 180 days of denial. Non-ERISA plans follow Maryland state law deadlines.
What is the 'own occupation' vs 'any occupation' test in LTD policies?
Many LTD policies change from an 'own occupation' to an 'any occupation' test after 24 months, affecting eligibility.
How accurate is the LTD settlement calculator for Maryland?
The calculator provides estimates based on typical ranges and policy details but not guarantees. Consult professionals for personalized advice.

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