Long-Term Disability Settlement Calculator Buffalo, NY
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).
Segar & Sciortino PLLC
4.5 · 90 reviews · Disability claims
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Hurwitz Whitcher & Molloy Attorneys at Law
4.7 · 38 reviews · Disability claims
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Law Office of Kathryn M. Kirsch PLLC
4.8 · 18 reviews · Disability claims
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General estimate only, not legal or tax advice. No attorney–client relationship is created.
Top-rated disability lawyers in Buffalo
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Segar & Sciortino PLLC
Segar & Sciortino PLLC focuses on helping disabled and injured individuals with interconnected workers' compensation, Social Security Disability, and personal injury claims. Their team handles multiple aspects of workplace accident cases to reduce miscommunication and improve outcomes. Clients appreciate their clear communication and thorough guidance, though a few note varied experiences with… more...
Segar & Sciortino PLLC focuses on helping disabled and injured individuals with interconnected workers' compensation, Social Security Disability, and personal injury claims. Their team handles multiple aspects of workplace accident cases to reduce miscommunication and improve outcomes. Clients appreciate their clear communication and thorough guidance, though a few note varied experiences with responsiveness.
Hurwitz Whitcher & Molloy Attorneys at Law
Hurwitz Whitcher & Molloy Attorneys at Law focus on Social Security Disability and workers’ compensation cases, helping clients navigate complex claims with experienced legal support. Their team is known for clear communication and steady guidance, though some clients note delays and challenges in benefit adjustments during long cases.
Law Office of Kathryn M. Kirsch PLLC
Specializing in workers’ compensation claims, the Law Office of Kathryn M. Kirsch PLLC offers knowledgeable representation for injured workers navigating New York State’s complex system. The small, personable team also handles personal injury, estate planning, and family law matters, with clients appreciating their thoroughness and respectful approach throughout often lengthy cases.
Kenney Shelton Liptak Nowak
Kenney Shelton Liptak Nowak focuses on insurance coverage and defense, serving a long-standing client base that includes many insurance companies and claims administrators. The firm also offers a range of legal services through experienced partners who share its values. Clients often note the team’s professionalism and friendly approach, though experiences can vary.
Law Offices of Kenneth Hiller, PLLC
Specializing in Social Security Disability claims, the Law Offices of Kenneth Hiller, PLLC assist clients navigating complex benefit programs like SSD and SSI. Their team also handles Consumer Protection and Veterans’ Medical Malpractice cases. While some clients appreciate their attentive and supportive approach, others note occasional communication challenges.
Law Offices of Jose Perez / Oficinas del Abogado Jose Perez, P.C.
Specializing in workers' compensation and related litigation, this office has handled a wide range of cases since opening in 2012. Clients appreciate the team’s professionalism and clear communication, often noting their responsiveness by text. While the focus is broad, the firm is especially known for supporting clients through long legal battles.
James Ratchford Law, PLLC
Specializing in Social Security Disability claims since 2008, James Ratchford Law, PLLC assists clients through every stage of the application and appeals process. The team is known for clear communication and personal attention, helping claimants understand their options. Some clients note occasional concerns about professionalism, but many appreciate the supportive and detail-oriented approach.
Law Offices of Jeffrey E. Marion
With over 25 years advocating for injury victims, the Law Offices of Jeffrey E. Marion focus on helping clients secure disability and personal injury compensation. The team offers clear guidance throughout the process and is known for being transparent and responsive, though some cases may require patience due to legal timelines.
Jeffrey Freedman Attorneys
Jeffrey Freedman's attorneys can assist you with filing Social Security Disability or Social Security Income applications It is crucial to fully understand the eligibility requirements for disability before you begin the application process. Both SSDI (Supplemental Security Income) and SSI, both government programs that offer financial assistance to those who are disabled, are run by the federal… more...
Jeffrey Freedman's attorneys can assist you with filing Social Security Disability or Social Security Income applications It is crucial to fully understand the eligibility requirements for disability before you begin the application process. Both SSDI (Supplemental Security Income) and SSI, both government programs that offer financial assistance to those who are disabled, are run by the federal government. Each program is different, and each one will be tailored to your specific needs. To maximize your chance of getting benefits, you need to understand the differences between each program. You may be eligible for benefits if you have a mental or physical impairment. When it comes to disability, many people only think about physical injuries. Millions of Americans suffer from mental disorders every year. These conditions can have a devastating impact on their daily lives.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Segar & Sciortino PLLC | 4.5 | 90 | $150 | (585) 475-1100 | Visit |
| 2 | Hurwitz Whitcher & Molloy Attorneys at Law | 4.7 | 38 | No Win, No Fee | (716) 350-0600 | Visit |
| 3 | Law Office of Kathryn M. Kirsch PLLC | 4.8 | 18 | No Win, No Fee | (716) 861-2300 | Visit |
| 4 | Kenney Shelton Liptak Nowak | 4.1 | 15 | $100 | (716) 853-3801 | Visit |
| 5 | Law Offices of Kenneth Hiller, PLLC | 4.1 | 12 | $100 | — | Visit |
| 6 | Law Offices of Jose Perez / Oficinas del Abogado Jose Perez, P.C. | 4.8 | 8 | — | (716) 362-1204 | Visit |
| 7 | James Ratchford Law, PLLC | 4.5 | 8 | $50 | (800) 772-1213 | Visit |
| 8 | Law Offices of Jeffrey E. Marion | 5.0 | 7 | $1,500 | (716) 589-6655 | Visit |
| 9 | Jeffrey Freedman Attorneys | 4.5 | 2 | — | (716) 433-5784 | Visit |
How this Buffalo 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.
New York 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 New York 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 New York?
Are LTD settlements taxable in Buffalo, NY?
What is the difference between 'own occupation' and 'any occupation' in LTD policies?
How accurate is the Buffalo LTD settlement estimate?
What are my options if my LTD benefits are cut off?
General information, not legal advice — consult a licensed New York attorney.