Long-Term Disability Settlement Calculator Raleigh, 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
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).
The Bishop Law Firm
4.8 · 101 reviews · Disability claims
Free claim review →
Hardison & Cochran
4.9 · 99 reviews · Disability claims
Free claim review →
Younce, Vtipil, Baznik & Banks, P.A.
4.8 · 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 Raleigh
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
The Bishop Law Firm
The Bishop Law Firm focuses on social security disability, personal injury, and workers' compensation cases, helping clients navigate complex benefit claims. The team communicates clearly throughout the process and is known for thorough preparation and compassionate support. Some callers have experienced being redirected before reaching the firm.
Hardison & Cochran
Hardison & Cochran focuses on Social Security Disability claims, helping clients navigate appeals after denials by the SSA. Their team handles cases across North Carolina, guiding clients through complex processes and working to secure benefits and back pay. Some clients appreciate their professionalism, while others note occasional communication challenges.
Younce, Vtipil, Baznik & Banks, P.A.
Younce, Vtipil, Baznik & Banks, P.A. focuses on Social Security Disability Law alongside personal injury and workers’ compensation cases. The team handles all legal aspects so clients can focus on recovery, with no fees charged unless the case is won. Clients appreciate clear communication and a supportive, client-centered approach.
Riddle & Brantley, LLP
Riddle & Brantley, LLP focuses on personal injury cases, offering legal support for those hurt in accidents or workplace incidents. The team handles claims ranging from injury compensation to workers’ benefits, with clients appreciating their caring approach and clear communication, though some note delays and challenges in responsiveness during complex cases.
O'Malley Tunstall PC
With over 40 years of combined experience, O'Malley Tunstall PLLC focuses on personal injury and Social Security Disability cases. The team offers free consultations and stays in close contact throughout the process, guiding clients through appeals and court when necessary. Clients appreciate their respectful, thorough approach and honest communication.
CR Legal Team
CR Legal Team brings over 30 years of combined experience to disability and personal injury cases, offering personalized legal strategies tailored to each client. The team is known for clear communication and compassionate support throughout the process, though some clients note that case handling can require patience due to thorough attention to detail.
Burch and Rodgers, P.C.
With over 70 years of combined experience and board certification in Social Security Disability law, Burch and Rodgers, P.C. focuses exclusively on helping clients secure disability benefits. The team is familiar with local judges and medical professionals, guiding clients through the complex process with clear communication and responsiveness. Some clients have noted occasional challenges when… more...
With over 70 years of combined experience and board certification in Social Security Disability law, Burch and Rodgers, P.C. focuses exclusively on helping clients secure disability benefits. The team is familiar with local judges and medical professionals, guiding clients through the complex process with clear communication and responsiveness. Some clients have noted occasional challenges when switching from other lawyers.
The Downs Law Office PLLC
Specializing in Social Security Disability claims, The Downs Law Office PLLC guides clients through the complexities of SSDI and Supplemental Security Income cases with clear, compassionate communication. The team is praised for their professionalism and responsiveness, though some clients note the process itself can be lengthy.
S Neal Camak
Board Certified in Workers' Compensation law, S Neal Camak focuses exclusively on Workers' Compensation and Social Security Disability cases. The team assists with SSDI, SSI, and appeals before Social Security Administrative Law Judges, often providing clear communication and thorough preparation. Clients appreciate their persistence and personal attention throughout challenging cases.
George W. Lennon
Specializing in Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) cases, this firm assists clients throughout the application and appeals process, including hearings before Administrative Law Judges. The team is known for clear communication and thorough preparation, helping clients navigate complex cases with steady support. Some clients note that patience is… more...
Specializing in Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) cases, this firm assists clients throughout the application and appeals process, including hearings before Administrative Law Judges. The team is known for clear communication and thorough preparation, helping clients navigate complex cases with steady support. Some clients note that patience is important due to the time involved in these proceedings.
Latest reviews of Raleigh Disability Lawyers
Written on TrustAnalytica by clients of the businesses in this list-
Where to begin? I suppose with the fact that in all of my years this was the most bungling and incompetent/professionally negligent law firm I have ever used. I was in an automobile accident nearly four months ago I and I retained Riddle to represent me. From the start communication was slow to then…
About Riddle & Brantley, LLP -
Bishop law firm were awesome they kept me informed about how everything was going .And they also made sure I was alright. I’m glad I chose them to represent me.They worked really hard in getting my case handled.Thank you Bishop law firm.
About The Bishop Law Firm -
I spoke with Debbie who was very compassionate and understanding. It's difficult digging up skeletons that have been buried in the closet. At this point, I feel very comfortable with Riddle & Brantley. My Father was a fighter pilot in WW2 who flew 223 combat missions. He struggled with Parkinson's d…
About Riddle & Brantley, LLP
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | The Bishop Law Firm | 4.8 | 101 | No Win, No Fee | (919) 615-3095 | Visit |
| 2 | Hardison & Cochran | 4.9 | 99 | No Win, No Fee | (919) 444-4444 | Visit |
| 3 | Younce, Vtipil, Baznik & Banks, P.A. | 4.8 | 100 | No Win, No Fee | (919) 336-1069 | Visit |
| 4 | Riddle & Brantley, LLP | 4.6 | 102 | No Win, No Fee | (919) 867-1193 | Visit |
| 5 | O'Malley Tunstall PC | 4.5 | 74 | $100 | (919) 277-0150 | Visit |
| 6 | CR Legal Team | 4.9 | 67 | $500 | (919) 839-6211 | Visit |
| 7 | Burch and Rodgers, P.C. | 4.6 | 9 | $200 | (919) 571-8855 | Visit |
| 8 | The Downs Law Office PLLC | 5.0 | 7 | $300 | (919) 444-4444 | Visit |
| 9 | S Neal Camak | 5.0 | 6 | $300 | (919) 856-9010 | Visit |
| 10 | George W. Lennon | 4.7 | 6 | — | (919) 856-9000 | Visit |
How this Raleigh 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.
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.
- 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 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 should I do if my LTD claim is denied in North Carolina?
How does the SSDI offset affect my LTD benefits?
Are LTD settlements taxable in Raleigh?
What is the difference between 'own occupation' and 'any occupation'?
How accurate is the LTD settlement calculator?
General information, not legal advice — consult a licensed North Carolina attorney.