Long-Term Disability Settlement Calculator New York, 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
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).
Riemer Hess LLCVerified
5.0 · 188 reviews · Disability claims
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Patel Law Social Security Disability Attorneys
4.9 · 91 reviews · Disability claims
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American Disability Advocates, Inc.
4.6 · 61 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 New York
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Riemer Hess LLC
With over 30 years focused exclusively on Individual Disability Insurance and Group Long Term Disability ERISA claims, Riemer Hess LLC brings deep expertise to complex disability cases. Their team guides clients through every stage—from initial claims to appeals and ongoing benefit protection—with clear communication and compassionate support. Clients appreciate their thoroughness and… more...
With over 30 years focused exclusively on Individual Disability Insurance and Group Long Term Disability ERISA claims, Riemer Hess LLC brings deep expertise to complex disability cases. Their team guides clients through every stage—from initial claims to appeals and ongoing benefit protection—with clear communication and compassionate support. Clients appreciate their thoroughness and responsiveness, though some note the process can still feel challenging given the nature of disability claims.
Patel Law Social Security Disability Attorneys
Patel Law Social Security Disability Attorneys focus exclusively on guiding clients through the Social Security disability process. Their team handles case preparation, communication with the agency, and appeals, with clients noting clear explanations and steady support. Some say case timelines vary, but the firm stays responsive throughout.
American Disability Advocates, Inc.
American Disability Advocates, Inc. specializes in helping clients navigate Social Security Disability claims, often handling paperwork and hearings efficiently. Their team is praised for patience, clear communication, and timely responses, though some clients note limited direct attorney access and initial screening requirements. Many appreciate the support through what can be a lengthy process.
LAW OFFICES OF REX E. ZACHOFSKY, PLLC
Focused on helping injured workers secure fair compensation, this law office guides clients through both workers' compensation and Social Security Disability Insurance claims. The team supports individuals facing workplace injuries by handling paperwork and advocating for lost wages and pain recovery. Clients appreciate their patience, clear communication, and responsiveness throughout often… more...
Focused on helping injured workers secure fair compensation, this law office guides clients through both workers' compensation and Social Security Disability Insurance claims. The team supports individuals facing workplace injuries by handling paperwork and advocating for lost wages and pain recovery. Clients appreciate their patience, clear communication, and responsiveness throughout often lengthy cases.
How this New York 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.
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.
- 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 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
9 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?
How does an SSDI offset affect my LTD benefits?
Is my LTD settlement taxable in New York?
What is the own-occupation vs any-occupation test?
How accurate is the LTD settlement calculator?
What is back pay in long-term disability claims?
General information, not legal advice — consult a licensed New York attorney.