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

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 Omaha

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

1

Hauptman, O'Brien, Wolf & Lathrop, P.C.

Hauptman, O’Brien, Wolf & Lathrop focuses on personal injury cases, aiming to protect clients’ rights and support their recovery after accidents. Their team handles claims involving negligence and works to hold responsible parties accountable. While some clients have found communication slow during complex cases, many appreciate the firm’s professional approach and clear explanations.

Services & Prices
Personal Injury Claims No Win, No Fee
Serious Injury Cases No Win, No Fee
Medical Bills & Lost Wages Recovery No Win, No Fee
Workers' Compensation No Win, No Fee
View Profile
(402) 241-5020
Open 00:00 - 23:59
1005 S 107th Ave Suite 200, Omaha, NE 68114, USA
General Services
Personal Injury Representation
2

Cuddigan Law

Cuddigan Law focuses on Social Security Disability (SSDI/SSI) and veteran’s disability claims, serving clients in Nebraska, western Iowa, and nationwide for veterans. The team guides clients through complex federal processes, often handling appeals and hearings. Clients appreciate their professionalism and clear communication, though some note the process can still be lengthy.

Services & Prices
Initial Application $300 - $500
Claim Increase $200 - $400
Appeal Process $500 - $800
Initial Application $200 - $400
View Profile
(402) 933-5405
Closed Now
10855 W Dodge Rd STE 101, Omaha, NE 68154, USA
General Services
VA Disability Claims
3

Watson & Carroll, P.C., L.L.O.

Watson & Carroll, P.C., L.L.O. specializes in Social Security Disability and medical malpractice cases, focusing on supporting disabled individuals throughout every stage of their claim. Their team works closely with healthcare providers to build strong cases and is known for clear communication and responsiveness. Some clients note the process can still take time, but appreciate the steady… more...

Watson & Carroll, P.C., L.L.O. specializes in Social Security Disability and medical malpractice cases, focusing on supporting disabled individuals throughout every stage of their claim. Their team works closely with healthcare providers to build strong cases and is known for clear communication and responsiveness. Some clients note the process can still take time, but appreciate the steady guidance.

Services & Prices
Initial Application Assistance $500 - $1000
Appeal Assistance $1000 - $2000
Representation at Hearing $1500 - $3000
Application Preparation $400 - $800
View Profile
(402) 991-2100
Closed Now
2809 S 160th St Suite #309, Omaha, NE 68130, USA
General Services
Disability Claim Representation
4

The Advocates Injury Attorneys.

The Advocates Injury Attorneys provide personal injury representation with a team approach, guiding clients through every step of the claims process. They handle communication with medical and insurance providers and focus on securing fair settlements. Clients appreciate their clear communication and caring, personalized support throughout often stressful cases.

Services & Prices
Car Accident Representation $1000 - $5000
Slip and Fall Claims $500 - $3000
Medical Malpractice Cases $5000 - $20000
Claim Filing Assistance $200 - $800
View Profile
(402) 703-2252
Closed Now
1001 Farnam St Suite 203, Omaha, NE 68102, USA
General Services
Personal Injury Law
5

Robert A Laughlin Attorney at Law

ROBERT A. Laughlin is an Omaha sole practitioner. He focuses on Social Security Disability law, Veterans Disability law, Guardian, Conservator, Fiduciary, and Probate. Past NOVA (National Organization of Veterans Advocates), NOSSCR [National Organization of Social Security Claimants Representatives], and NBI (National Business Institute] Seminars. He has also spoken to lawyers on Veterans… more...

ROBERT A. Laughlin is an Omaha sole practitioner. He focuses on Social Security Disability law, Veterans Disability law, Guardian, Conservator, Fiduciary, and Probate. Past NOVA (National Organization of Veterans Advocates), NOSSCR [National Organization of Social Security Claimants Representatives], and NBI (National Business Institute] Seminars. He has also spoken to lawyers on Veterans Benefits and Social Security. He has also addressed health professionals on issues related to Veterans and Hepatitis. He was also a speaker for Nebraska County Attorney's Association and Nebraska Health and Human Services on Social Security and Veterans Benefits. He is currently focusing on child support. He was also invited to address disabled veterans at Omaha VA Medical Center several times on issues related to fiduciary or disability. His B.S. was earned in Environmental Health. He received his B.S. (in Environmental Health) as well as his J.D. The University of Nebraska at Lincoln confers Law degrees. He is a sustaining Member of the National Organization of Veterans Advocates, where he was on the Board of Directors between January 2004 and December 31, 2010. Also, the National Organization of Social Security Claimants Representatives. He is also a member of both the Omaha Bar Association and the Nebraska State Bar Association. He is licensed to practice law before the Nebraska Supreme Court and the U.S. District Court. ), and the U.S. Court of Appeals for Veterans Claims. In August 2008, he was granted accreditation by the U.S. Department of Veterans Affairs. The Social Security Administration administers SSD. Mr. Laughlin will accept cases that are seeking SSD benefits. These people have contributed enough to the SSA system via payroll tax deductions (FICA SS/Medicare) in order to qualify for "insured for disabilities purposes" under Title 2. Supplemental Security Income benefits can be used for disabled persons who are not eligible for SSD under Title 16 or because they lack "insured status" or because of age. Children's cases are not my responsibility.

View Profile
(402) 334-0900
Closed Now
11605 Arbor St # 105, Omaha, NE 68144, USA
Where they are 6 on the map Click a pin for the profile and directions
6

David J. Cripe

With over 233 years combined, Hauptman, David J. Cripe is the area's most experienced personal injury law firm. We help victims of traffic accidents, nursing home negligence, job-related injuries, premises liability, catastrophic injuries, and other injuries navigate the legal system. We stand by you and your family to fight for fair and just compensation for the injuries you are suffering, and… more...

With over 233 years combined, Hauptman, David J. Cripe is the area's most experienced personal injury law firm. We help victims of traffic accidents, nursing home negligence, job-related injuries, premises liability, catastrophic injuries, and other injuries navigate the legal system. We stand by you and your family to fight for fair and just compensation for the injuries you are suffering, and the financial burdens you are carrying because of someone else’s carelessness. Insurance companies know that we will fight for fair and just compensation. Our clients know that we handle cases professionally and aggressively. Make an appointment to come to talk with one of our Omaha attorneys today. It’s a good idea to schedule a consultation to determine whether or not you have a case. If we represent your interests, it’s because we believe in your case and are fully prepared to support it.

View Profile
(402) 241-5020
Closed Now
1005 S 107th Ave Ste 200, Omaha, NE 68114, USA

Latest reviews of Omaha Disability Lawyers

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

    2018, i got rear ended. Car got fixed but i had injured my neck and shoulder. Went to physical theropy for 6 months or close to it. Went to emergancy room right after accident also. Figured i needed a lawyer. Seen the comercial and called them. Ended up with timothy elliot. After physical theropy he…

Omaha Disability Lawyers stats: 6 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Hauptman, O'Brien, Wolf & Lathrop, P.C. 5.0 98 No Win, No Fee (402) 241-5020 Visit
2 Cuddigan Law 4.8 100 $200 (402) 933-5405 Visit
3 Watson & Carroll, P.C., L.L.O. 4.9 63 $300 (402) 991-2100 Visit
4 The Advocates Injury Attorneys. 4.9 31 $150 (402) 703-2252 Visit
5 Robert A Laughlin Attorney at Law 4.3 3 — (402) 334-0900 Visit
6 David J. Cripe 3.7 3 — (402) 241-5020 Visit

How this Omaha 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.

Nebraska 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 Nebraska 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 Omaha long-term disability settlement calculator work?
The calculator estimates back pay, future benefits to age 65, their present value, and typical lump-sum settlement ranges based on your claim status, policy type, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle future benefits. It typically ranges from 30-75% of the present value, depending on claim status.
Why are LTD settlements below full value?
Settlements reflect the present value of future benefits and risk factors. They are typically 30-75% of future benefits, plus any back pay.
What happens if my LTD claim is denied in Nebraska?
For ERISA-governed plans, file an internal appeal within 180 days. Non-ERISA plans may allow state court lawsuits with potential bad-faith damages.
Are LTD settlements taxable in Omaha?
If your employer paid premiums or you used pre-tax dollars, settlements are taxable. If paid with after-tax money, they generally are not. Consult a tax advisor.
What is the difference between 'own occupation' and 'any occupation'?
LTD policies often switch from 'own occupation' to 'any occupation' after 24 months, impacting eligibility based on your ability to work any job.
How accurate is the LTD settlement estimate?
The estimate uses typical ranges and factors but is not a guarantee. It provides a general idea based on your inputs.
What is the deadline for appealing an LTD denial in Nebraska?
For ERISA plans, you have 180 days to file an internal appeal after a denial.
Can I get back pay if my LTD claim was cut off?
Yes, back pay is typically included in settlements if your claim was cut off, based on unpaid months and policy terms.

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