Long-Term Disability Settlement Calculator Cincinnati, OH
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).
Young, Reverman & Mazzei
4.6 · 91 reviews · Disability claims
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The Law Offices of Arnold S. Levine, L.P.A.
4.3 · 49 reviews · Disability claims
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Clements, Taylor, Butkovich & Cohen LPA, Co. Attorneys at Law
4.3 · 25 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 Cincinnati
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Young, Reverman & Mazzei
Young, Reverman & Mazzei has been representing injury victims in the Cincinnati area since 1972, focusing on workers’ compensation and personal injury cases. The team handles claims involving workplace injuries, slip and fall accidents, and negligence, with clients often noting their professionalism and clear communication throughout the process. Some mention occasional delays in returning calls… more...
Young, Reverman & Mazzei has been representing injury victims in the Cincinnati area since 1972, focusing on workers’ compensation and personal injury cases. The team handles claims involving workplace injuries, slip and fall accidents, and negligence, with clients often noting their professionalism and clear communication throughout the process. Some mention occasional delays in returning calls but appreciate the firm’s thorough support.
The Law Offices of Arnold S. Levine, L.P.A.
With over 40 years of experience, this firm focuses on disability and personal injury cases, including slip-and-fall accidents. The team offers clear legal guidance without jargon and keeps clients informed throughout the process. Some clients appreciate their attentive communication, though a few have raised concerns about certain business practices.
Clements, Taylor, Butkovich & Cohen LPA, Co. Attorneys at Law
Clements, Taylor, Butkovich & Cohen LPA, Co. specializes in Social Security Disability, workers’ compensation, and personal injury law, with a strong focus on navigating claims through the Industrial Commission and Ohio courts. Clients appreciate the team’s responsiveness and thorough guidance throughout often lengthy cases, though some note the process can take time.
Weisser & Wolf
Weisser & Wolf focuses exclusively on representing people injured in workplace accidents, car crashes, medical errors, and similar cases. Their team draws on decades of combined experience and is known for keeping clients informed and responsive, though some note occasional communication delays. Clients appreciate their thorough approach to disability and workers’ compensation claims.
Manley Burke
Manley Burke focuses on Ohio workers' compensation and Social Security Disability cases, helping clients navigate complex appeals and filings. Their team listens carefully to each situation and provides attentive, thorough support throughout the process. Clients appreciate their prompt communication and dedication, though some areas of practice may no longer be available.
Young, Reverman & Mazzei Co, L.P.A.
With over 50 years of experience, Young, Reverman & Mazzei Co, L.P.A. focuses on personal injury and disability cases in Ohio and the Tri-State area. The team helps clients navigate insurance claims to secure fair compensation, with many appreciating their communication and responsiveness. Some note that recent service quality isn’t quite what it once was.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Young, Reverman & Mazzei | 4.6 | 91 | No Win, No Fee | (513) 854-8885 | Visit |
| 2 | The Law Offices of Arnold S. Levine, L.P.A. | 4.3 | 49 | No Win, No Fee | (513) 823-3257 | Visit |
| 3 | Clements, Taylor, Butkovich & Cohen LPA, Co. Attorneys at Law | 4.3 | 25 | No Win, No Fee | (513) 721-6500 | Visit |
| 4 | Weisser & Wolf | 4.2 | 12 | $100 | (513) 721-3236 | Visit |
| 5 | Manley Burke | 4.5 | 11 | $100 | (513) 721-5525 | Visit |
| 6 | Young, Reverman & Mazzei Co, L.P.A. | 4.6 | 5 | $50 | (513) 657-3836 | Visit |
How this Cincinnati 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.
Ohio 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 Ohio 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.