Long-Term Disability Settlement Calculator Greensboro, 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
Individual policies can cap the monthly benefit or end at a different age. Check your policy schedule.
Enter your monthly benefit, or your salary.
The 2026 average is about $1,630 a month.
Count from when benefits stopped (or should have started) until today.
Enter your age (18 or older, below the age benefits end).
Law Offices of James Scott Farrin
4.9 · 499 reviews · Disability claims
Free claim review →
Daggett Shuler Attorneys at Law
4.7 · 100 reviews · Disability claims
Free claim review →
CR Legal Team
4.7 · 100 reviews · Disability claims
Free claim review →
General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Greensboro
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Law Offices of James Scott Farrin
Specializing in Social Security Disability law, the Law Offices of James Scott Farrin have been assisting injured clients since 1997. Their team handles applications and claims with clear communication and attentive support throughout the process. Clients appreciate their responsiveness and the care shown by staff, though some note the volume of communication can be frequent.
Daggett Shuler Attorneys at Law
Daggett Shuler Attorneys at Law focus on helping clients with disability, workers' compensation, and injury claims, including Social Security Disability benefits. Their team works closely with each client to navigate medical bills and lost earnings after accidents. Clients appreciate their caring approach and consistent communication throughout the process.
CR Legal Team
With over 30 years of combined experience, CR Legal Team focuses on supporting clients through complex disability and workers' compensation cases. Their team offers personalized legal strategies and stays responsive to questions throughout often lengthy processes. Clients appreciate their attentive communication and the sense of support they provide during challenging times.
Deuterman Law Group
A Board Certified Specialist guides clients through Social Security Disability claims and appeals at Deuterman Law Group. The team assists with gathering medical and psychological evidence to support applications, and many clients appreciate their clear communication and friendly support throughout the often lengthy process. Some note delays in updates during complex cases.
Hardison & Cochran
Hardison & Cochran focuses on Social Security Disability cases, aiming to keep clients well informed throughout the process. The team handles SSD claims and workers’ compensation, with some clients appreciating their communication and professionalism, though others have noted challenges reaching staff or staying updated.
Egerton Law
Egerton Law specializes in personal injury and disability claims, helping clients navigate Social Security Disability benefits and appeals. The team handles cases involving car accidents, workers' compensation, and related financial challenges, with many clients appreciating their clear communication and supportive approach, though experiences with professionalism have varied.
Roane Law - Car Accident Lawyer Greensboro
Roane Law focuses on representing plaintiffs in serious car accident and nursing home abuse cases, drawing on the founder’s personal experience with insurance claims. The team offers attentive communication and professional service, though some clients note the need for proactive follow-up during the process.
Daggett Shuler Attorneys at Law
Daggett Shuler focuses on helping clients secure Social Security Disability and Supplemental Security Income benefits, guiding them through often complex and frustrating application processes. Their team also handles cases involving injuries and related business issues, with clients appreciating their respectful, patient approach and clear communication throughout. Some find that not all cases… more...
Daggett Shuler focuses on helping clients secure Social Security Disability and Supplemental Security Income benefits, guiding them through often complex and frustrating application processes. Their team also handles cases involving injuries and related business issues, with clients appreciating their respectful, patient approach and clear communication throughout. Some find that not all cases can be resolved, but the firm remains supportive regardless.
Hodgman, Rowlett & Jahnes, P.A.
Specializing in Social Security Disability and workers’ compensation cases, Hodgman, Rowlett & Jahnes, P.A. assists clients in navigating complex claims and appeals. The team is known for clear communication and thorough support throughout the process, though some cases may require patience due to legal complexities. Their approach aims to ease the burden on clients during difficult times.
Riddle & Brantley, LLP
Riddle & Brantley, LLP focuses on helping clients secure Social Security Disability benefits, especially after claim denials. Their team handles disability claims and appeals, with many clients appreciating their professionalism and clear communication, though some have noted occasional delays in case updates.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Law Offices of James Scott Farrin | 4.9 | 499 | $1,000 | (336) 665-7072 | Visit |
| 2 | Daggett Shuler Attorneys at Law | 4.7 | 100 | $100 | (336) 724-1234 | Visit |
| 3 | CR Legal Team | 4.7 | 100 | $200 | (336) 333-9899 | Visit |
| 4 | Deuterman Law Group | 4.4 | 99 | $10 | (336) 373-1130 | Visit |
| 5 | Hardison & Cochran | 4.7 | 66 | $2,000 | (336) 777-7777 | Visit |
| 6 | Egerton Law | 4.5 | 47 | $500 | (336) 273-0508 | Visit |
| 7 | Roane Law - Car Accident Lawyer Greensboro | 4.3 | 29 | $1,000 | (336) 617-6125 | Visit |
| 8 | Daggett Shuler Attorneys at Law | 4.8 | 16 | $250 | (336) 288-2234 | Visit |
| 9 | Hodgman, Rowlett & Jahnes, P.A. | 4.9 | 12 | $150 | (336) 373-0934 | Visit |
| 10 | Riddle & Brantley, LLP | 4.5 | 13 | $2,000 | (336) 907-2025 | Visit |
How this Greensboro 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
8 questionsHow does the long-term disability settlement calculator work?
What is a long-term disability buyout?
Why are LTD settlements below full value?
What if my LTD claim is denied in North Carolina?
Is my LTD settlement taxable in Greensboro?
What is the 'own occupation' vs 'any occupation' test?
How accurate is the LTD settlement calculator?
What is back pay in LTD claims?
General information, not legal advice — consult a licensed North Carolina attorney.