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Review Keywords Analysis

  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in Minnesota
  4. Minneapolis
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Minneapolis, MN

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 Minneapolis

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

1

Greeman Toomey PLLC

Greeman Toomey PLLC focuses exclusively on Social Security Disability law, guiding clients through the complex application and appeals process. The team represents individuals at administrative hearings and handles all aspects of Social Security Disability claims. While some clients find communication challenging at times, many appreciate the firm’s thorough and compassionate legal support.

Services & Prices
Disability Appeal $800 - $1500
Hearing Representation $2000 - $5000
Temporary Social Security Claims $100 - $200
Supplemental Security Income (SSI) Claims $100 - $400
View Profile
(612) 332-3252
Open 7:00 AM - 9:00 PM
250 2nd Ave S #120, Minneapolis, MN 55401, USA
General Services
Disability Representation
2

Mid-Minnesota Legal Aid

Mid-Minnesota Legal Aid provides free legal advice and representation to low-income individuals, seniors, and people with disabilities, focusing on civil law issues. The team handles individual cases and engages in policy advocacy to support clients’ rights. While some clients find the support helpful, others have experienced delays or difficulty getting their cases accepted.

Services & Prices
Lease Agreement Review $75 - $125
Eviction Defense $200 - $400
Visa Application Assistance $100 - $250
Green Card Application $200 - $400
View Profile
(877) 696-6529
Closed Now
111 N 5th St #100, Minneapolis, MN 55403, USA
General Services
Landlord-Tenant Issues
3

Meshbesher & Associates, P.A.

Known for handling complex civil rights and personal injury cases, Meshbesher & Associates offers legal support for clients facing criminal charges or serious injuries. Their team provides detailed guidance through difficult situations, with many clients appreciating their responsiveness and thorough communication, though some note cases can take considerable time to resolve.

Services & Prices
Auto Accident Representation $8000 - $15000
Slip and Fall Cases $5000 - $12000
Medical Malpractice $10000 - $20000
Divorce Settlement $3000 - $8000
View Profile
(612) 200-1526
Closed Now
9800 Shelard Pkwy UNIT 310, Minneapolis, MN 55441, USA
General Services
Personal Injury Law
4

Joseph A. Larson Law Firm PLLC

Specializing in employment law, the Joseph A. Larson Law Firm PLLC assists individuals facing workplace discrimination, wrongful termination, and retaliation, including disability-related issues. The team also supports small businesses with legal matters like HR policies and contract negotiations. Clients appreciate their clear communication and thorough guidance throughout often stressful cases.

Services & Prices
Employment Discrimination Cases $2000 - $3000
Settlement Negotiations $500 - $1500
Work Termination Assistance $300 - $500
HR Policy Development $1000 - $2000
View Profile
(612) 206-3704
Closed Now
310 S 4th Ave #5010, Minneapolis, MN 55415, USA
General Services
Employment Law
5

Kemmitt, Sanford, & Kramer Law

Kemmitt, Sanford, & Kramer Law focuses on helping clients with workers' compensation and long-term disability claims, especially when benefits have been denied. Their team guides clients through applying for benefits and appealing insurance denials, with clear communication and steady support throughout the process. Some clients note the complexity of cases, but appreciate the firm’s thoroughness… more...

Kemmitt, Sanford, & Kramer Law focuses on helping clients with workers' compensation and long-term disability claims, especially when benefits have been denied. Their team guides clients through applying for benefits and appealing insurance denials, with clear communication and steady support throughout the process. Some clients note the complexity of cases, but appreciate the firm’s thoroughness and honesty.

Services & Prices
Short Term Disability Appeal $300 - $500
Long Term Disability Appeal $400 - $700
Claim Filing Assistance $200 - $400
Case Representation $500 - $1000
View Profile
(612) 230-4585
Open 00:00 - 23:59
331 2nd Ave S #411, Minneapolis, MN 55401, USA
General Services
Disability Insurance Claims
Where they are 10 on the map Click a pin for the profile and directions
6

Beedem Law

Beedem Law focuses on disability cases, offering free consultations and working on a contingency fee basis to ease financial concerns. The team assists with insurance benefits, long-term disability claims, and workers' compensation, guiding clients through complex processes with clear communication. Some clients note the process can feel overwhelming but appreciate the steady support.

Services & Prices
LTD/ERISA Claims Processing $100 - $300
Appeals for Denied Claims $150 - $400
Claim Filing Assistance $75 - $150
Permanent Disability Claims $200 - $500
View Profile
(612) 305-1300
Open 00:00 - 23:59
80 S 8th St UNIT 900,Minneapolis, MN 55402
General Services
Disability Law
7

Christianson Law

Specializing in Social Security Disability and workers’ compensation cases, Christianson Law offers experienced guidance for clients navigating these often overlapping areas. The team provides compassionate support through stressful times, with many clients appreciating their professionalism and persistence. Some note that cases can take time, reflecting the complexity involved.

Services & Prices
Claim Submission $200 - $400
Settlement Negotiation $300 - $600
Appeals Process $500 - $1000
Accident Claim $500 - $1500
View Profile
(612) 913-4006
Closed Now
1201 S Marquette Ave suite 110, Minneapolis, MN 55403, USA
General Services
Workers Compensation
8

Minnesota State Bar Association

The Minnesota State Bar Association serves licensed attorneys and legal professionals in the Twin Cities metro area, offering resources and support to advance the legal profession. While it provides helpful forms and professional guidance, those seeking direct legal representation or referrals outside the metro may find its services limited.

Services & Prices
Civil Litigation $200 - $400
Commercial Litigation $300 - $500
Personal Injury Litigation $250 - $450
Legal Document Drafting $100 - $250
View Profile
(612) 333-1183
Closed Now
600 Nicollet Mall #380, Minneapolis, MN 55402, USA
General Services
Litigation Services
9

Andrew E. Kline, Attorney At Law

Specializing exclusively in Social Security disability claims, Andrew E. Kline offers personalized attention by handling cases personally rather than delegating to staff. The firm assists clients from initial consultation through hearings and appeals, with many appreciating the direct communication and thorough preparation, though some have found outreach methods intrusive.

View Profile
(612) 339-4142
Closed Now
400 S 4th St #1025, Minneapolis, MN 55415, USA
10

Morin Law Office

Mary M Morin, a Minneapolis worker's compensation lawyer is highly experienced. It doesn't matter what the circumstance surrounding your accident or injury is, it is important that you receive all of the benefits you have. You are likely to feel a lot of pain and emotional pressure after an injury. You don't want to have to worry about how you are going to pay the bills or what you will do for… more...

Mary M Morin, a Minneapolis worker's compensation lawyer is highly experienced. It doesn't matter what the circumstance surrounding your accident or injury is, it is important that you receive all of the benefits you have. You are likely to feel a lot of pain and emotional pressure after an injury. You don't want to have to worry about how you are going to pay the bills or what you will do for your family if your income is not coming in. A worker's compensation lawyer can give you the peace of mind that your case will be handled properly and your injury treated fairly. There will be no denials, frauds, or underpayments. My clients are concerned about whether or not they can support their families on this claim. You are losing your weekly income if you can't work. You may suddenly find yourself without enough money to buy groceries, fuel, childcare, or rent. There are also other expenses such as rehabilitation, hospital costs, and medication costs. You shouldn't have to pay for an accident at work.

View Profile
(612) 677-8329
Closed Now
400 S 4th St #1025, Minneapolis, MN 55415, USA
Minneapolis Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Greeman Toomey PLLC 4.1 99 $100 (612) 332-3252 Visit
2 Mid-Minnesota Legal Aid 4.0 100 $75 (877) 696-6529 Visit
3 Meshbesher & Associates, P.A. 3.8 24 $2,000 (612) 200-1526 Visit
4 Joseph A. Larson Law Firm PLLC 4.7 15 $300 (612) 206-3704 Visit
5 Kemmitt, Sanford, & Kramer Law 5.0 14 $200 (612) 230-4585 Visit
6 Beedem Law 5.0 11 $75 (612) 305-1300 Visit
7 Christianson Law 5.0 6 $200 (612) 913-4006 Visit
8 Minnesota State Bar Association 3.1 9 $50 (612) 333-1183 Visit
9 Andrew E. Kline, Attorney At Law 4.3 6 — (612) 339-4142 Visit
10 Morin Law Office 5.0 1 — (612) 677-8329 Visit

How this Minneapolis 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.

Minnesota 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 Minnesota 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 is the long-term disability settlement calculated?
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 offered by insurers to settle future LTD benefits, typically 30-75% of their present value, depending on claim status.
Why are LTD settlements below full value?
Settlements are lower due to the present value calculation of future benefits and the insurer's risk assessment of continued payments.
What if my long-term disability claim is denied in Minnesota?
Under ERISA, file an internal appeal within 180 days. State law applies for non-ERISA plans, allowing possible bad-faith damages.
How does an SSDI offset affect my LTD benefits?
Most LTD policies reduce benefits by SSDI received, affecting the total monthly payout and settlement calculation.
Are LTD settlements taxable in Minneapolis?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax money, they generally aren't. Seek tax advice.
What is the difference between 'own occupation' and 'any occupation' in LTD policies?
Policies often switch from 'own occupation' to 'any occupation' criteria after 24 months, affecting eligibility for continued benefits.
How accurate is the LTD settlement calculator for Minnesota?
The calculator provides estimates based on typical policy terms and claim scenarios but cannot guarantee specific outcomes.
What is the deadline for appealing a denied LTD claim under ERISA?
You must file an internal appeal within 180 days of the denial to preserve your right to sue.
What happens if my LTD benefits are cut off in Minneapolis?
If benefits are cut off, you may negotiate a buyout or appeal under ERISA rules. State law applies for non-ERISA plans.

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