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Review Keywords Analysis

  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in North Carolina
  4. Charlotte
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Charlotte, NC

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 Charlotte

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

1

Hunter & Everage

Hunter & Everage focuses on helping clients secure benefits in workers’ compensation, personal injury, and disability cases. Their team is known for clear communication and thorough preparation, with clients appreciating their professionalism and willingness to explain each step. Some note occasional initial miscommunications, but the firm works to address concerns promptly.

Services & Prices
Claim Filing Assistance $300 - $500
Appeal Representation $500 - $1000
SSDI Application Assistance $300 - $600
Denial Appeal Support $500 - $800
View Profile
(704) 377-9157
Closed Now
5457 Monroe Rd, Charlotte, NC 28212, USA
General Services
Workers Compensation
2

Bridgman Law Offices

Bridgman Law Offices focuses on helping clients secure Social Security Disability and Supplemental Security Income benefits, especially when initial claims are denied. The team stays actively involved throughout the often lengthy process, providing responsive communication and personal support. Clients appreciate their persistence and respect, though the process itself can be slow.

Services & Prices
Disability Claim Application $300 - $500
Appeals Representation $400 - $700
Hearing Preparation $200 - $400
SSA Status Check $50 - $100
View Profile
(704) 815-6055
Closed Now
2125 Southend Dr Ste 453,Charlotte, NC 28203
General Services
Disability Law Services
3

Martin, Jones, & Piemonte

Board Certified in Social Security Disability law, Martin, Jones, & Piemonte focuses on appealing denied disability benefits claims with clear communication and thorough legal guidance. The team handles everything from initial consultation through hearings, often praised for their responsiveness and ability to explain complex terms in plain language. Some clients note occasional communication… more...

Board Certified in Social Security Disability law, Martin, Jones, & Piemonte focuses on appealing denied disability benefits claims with clear communication and thorough legal guidance. The team handles everything from initial consultation through hearings, often praised for their responsiveness and ability to explain complex terms in plain language. Some clients note occasional communication challenges during case transitions.

Services & Prices
Initial Claim Filing $500 - $1000
Appeals Representation $1000 - $1500
Hearing Preparation $300 - $700
Claim Filing $500 - $1000
View Profile
(704) 399-8890
Closed Now
4601 Charlotte Park Dr # 390, Charlotte, NC 28217, USA
General Services
Social Security Disability Representation
4

Lund Law Carolina

Specializing in Social Security Disability claims, Lund Law Carolina guides clients through every step, from initial applications to appeals. The team is known for clear communication, personal attention, and thorough knowledge of complex cases. While the process can take time, clients appreciate the consistent updates and compassionate support throughout.

Services & Prices
Initial Claim Filing $300 - $500
Appeals Assistance $500 - $1000
Hearing Representation $1000 - $3000
Claim Review $200 - $400
View Profile
(704) 412-4773
Closed Now
1100 S Mint St Suite 115, Charlotte, NC 28203, USA
General Services
Disability Representation
5

Disability Attorney Services

Disability Attorney Services focuses on helping clients secure Social Security Disability benefits, especially those facing long, complex appeals. The team handles SSDI applications and appeals with thorough communication and genuine care, though some clients have found scheduling direct attorney contact challenging. Many appreciate the attentive support throughout the process.

Services & Prices
Initial Claim Submission $500 - $800
Appeal Services $700 - $1000
Representation at Hearings $1000 - $1500
View Profile
(713) 766-4885
Closed Now
6000 Fairview Rd SouthPark Towers Suite 1200, Charlotte, NC 28210, USA
General Services
Disability Claim Assistance
Where they are 10 on the map Click a pin for the profile and directions
6

The Bollinger Law Firm, P.C.

Specializing exclusively in workers' compensation claims since 1999, The Bollinger Law Firm, P.C. helps injured employees navigate the often complex process of securing medical and wage benefits. The team is known for clear communication and thorough guidance, though some clients note the firm’s focus means other legal areas aren’t covered.

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
(704) 377-7677
Closed Now
301 S McDowell St #1000,Charlotte, NC 28204
General Services
Workers' Compensation Claims
7

Jan Dils Attorneys At Law

Jan Dils Attorneys At Law focuses on helping veterans and individuals with disability claims, often handling cases others won’t take. Their team provides guidance through VA claims and personal injury matters, with many clients appreciating their professionalism and clear communication, though some have noted delays in follow-up and case updates.

Services & Prices
Initial Claim Filing $500 - $1000
Claim Appeal Assistance $300 - $700
Initial Application Assistance $600 - $1200
Hearing Representation $1000 - $2000
View Profile
(704) 396-4542
Closed Now
10800 Sikes Pl, Charlotte, NC 28277, USA
General Services
VA Disability Claims
8

Phillips and McCrea, PLLC

Phillips and McCrea, PLLC focuses on Social Security Disability claims, especially handling denials and appeals with nationwide legal support. Their team also assists with slip-and-fall injury cases, offering guidance through complex personal injury matters. Some clients find communication inconsistent, but others appreciate the firm’s involvement in difficult disability situations.

Services & Prices
Slip and Fall Claims No Win, No Fee
Premises Liability Cases No Win, No Fee
Property Owner Negligence No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(980) 300-6223
Closed Now
301 McCullough Dr Suite 400,Charlotte, NC 28262
General Services
Slip and Fall & Premises Liability
9

Collins Price, PLLC

Collins Price, PLLC focuses exclusively on Social Security Disability claims across North Carolina, with offices in the Triad and Charlotte areas. The team handles everything from initial applications to appeals, keeping clients informed throughout the often lengthy process. Clients appreciate their professionalism and clear communication, though some cases can involve extended waiting periods.

Services & Prices
Disability Claim Filing $500 - $1500
Hearing Representation $1000 - $3000
Appeal Filing $400 - $1000
Representation at Appeal Hearing $1000 - $2500
View Profile
(877) 296-1030
Closed Now
6425 Bannington Rd Suite 8A, Charlotte, NC 28226, USA
General Services
Disability Law Services
10

Ayers, Whitlow & Dressler

Ayers, Whitlow & Dressler focuses on helping clients secure disability benefits and compensation after injuries or disabling conditions. Their team handles appeals, workers’ compensation, and related legal matters, with clients appreciating their compassion and thorough communication. Some have noted occasional frustrations with attorney attitudes, though support staff receive praise for… more...

Ayers, Whitlow & Dressler focuses on helping clients secure disability benefits and compensation after injuries or disabling conditions. Their team handles appeals, workers’ compensation, and related legal matters, with clients appreciating their compassion and thorough communication. Some have noted occasional frustrations with attorney attitudes, though support staff receive praise for helpfulness.

Services & Prices
Representation for Claim Filing $500 - $1500
Appeal Assistance $300 - $800
Filing for Workers' Compensation Benefits $600 - $1200
Negotiation and Settlement $400 - $1000
View Profile
(704) 377-5050
Closed Now
301 S McDowell St Suite 410, Charlotte, NC 28204, USA
General Services
Disability Law Services

Latest reviews of Charlotte Disability Lawyers

Written on TrustAnalytica by clients of the businesses in this list
  • Amy

    Martin, Jones, and Piemonte I want to begin with a summary of this firm and then I want to explain my experience in detail: To sum up Martin, Jones, & Piemonte; they took a chance on me when nobody else would. Their attorneys are so experienced, and I felt so at ease talking with them. They cared an…

  • Katherine

    All they did was send social security a letter saying they were my attorney. They were never in touch, could never be reached... Social security couldn't reach them nor could I. I had to do all the work, fill out all the forms no help. Then my person resigned and no one called me .... They didn't fi…

  • Sct-dru

    I hired Attorney Deondra Sexton at Martin Jones Piemonte to help me with my Social Security disabilities dispute. From the very first consultation, she was attentive, professional, and incredibly thorough in explaining my legal options. Throughout the process, Deondra kept me updated on every develo…

  • JC

    I contacted Mr. Phillips to assist me with my son disability case. My son was originally diagnosed as disabled at the age of 3. When he turned 11 years old the state decided he was no longer disabled. So I reached out to Mr. Phillips and he did everything in his power to help me and my son through t…

  • Clarissa

    Sadly , I have to agree to the rest of the Veterans who feel ignored by this firm ! I heard great things and decided to give them a try . Initially, they were super helpful ! Just as soon as the process actually started, I received another call or so about information and what to expect . It is now…

Charlotte Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Hunter & Everage 4.7 125 $200 (704) 377-9157 Visit
2 Bridgman Law Offices 4.8 66 $50 (704) 815-6055 Visit
3 Martin, Jones, & Piemonte 4.6 55 $100 (704) 399-8890 Visit
4 Lund Law Carolina 4.9 51 $150 (704) 412-4773 Visit
5 Disability Attorney Services 4.6 50 $500 (713) 766-4885 Visit
6 The Bollinger Law Firm, P.C. 4.9 45 $100 (704) 377-7677 Visit
7 Jan Dils Attorneys At Law 4.5 47 $300 (704) 396-4542 Visit
8 Phillips and McCrea, PLLC 4.2 36 No Win, No Fee (980) 300-6223 Visit
9 Collins Price, PLLC 5.0 27 $100 (877) 296-1030 Visit
10 Ayers, Whitlow & Dressler 4.7 14 $300 (704) 377-5050 Visit

How this Charlotte 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.

North Carolina 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 North Carolina 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 questions
How does the long-term disability settlement calculator work?
The calculator estimates back pay, future benefits to age 65, their present value, and a typical settlement range based on your claim status and policy details.
What should I do if my long-term disability claim is denied in North Carolina?
If your claim is denied, you can file an internal appeal within 180 days. ERISA-governed plans require this before you can sue.
How accurate is the long-term disability settlement estimate?
The estimate is based on typical ranges and your specific inputs but is not a guarantee of your settlement amount.
What is a long-term disability buyout?
A buyout is a lump-sum payment offered to settle future benefits. It typically ranges from 30-75% of the present value of future benefits.
Why are long-term disability settlements below full value?
Settlements are lower to account for uncertainties and the insurer's risk. They often reflect a percentage of the present value of future benefits.
What is the difference between back pay and future benefits?
Back pay covers unpaid benefits owed from the past, while future benefits are payments you would receive until age 65.
How does an SSDI offset affect my LTD benefits?
Most LTD policies reduce benefits by any SSDI received, which can lower the monthly amount you get from your insurer.
Is a lump-sum disability settlement taxable in Charlotte?
If premiums were paid with pre-tax dollars, settlements are taxable. If paid with after-tax money, they are generally not. Consult a tax advisor.
What is the 'own occupation' vs 'any occupation' test in LTD policies?
Many policies switch from an 'own occupation' to an 'any occupation' test after 24 months, affecting eligibility for continued benefits.

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