Long-Term Disability Settlement Calculator Cleveland, 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
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).
Smith Godios Sorensen Inc.
4.7 · 69 reviews · Disability claims
Free claim review →
Nilges Draher LLC
5.0 · 25 reviews · Disability claims
Free claim review →
Bentoff & Duber Co., L.P.A.
4.3 · 11 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 Cleveland
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Smith Godios Sorensen Inc.
Smith Godios Sorensen Inc. focuses on Social Security Disability, Supplemental Security Income, and Veteran’s disability claims for residents across Northeast Ohio. The team offers free consultations and works on a no-fee-unless-you-win basis, guiding clients through complex claims with patience and thoroughness. Some clients note the process can be lengthy, but appreciate the firm’s steady… more...
Smith Godios Sorensen Inc. focuses on Social Security Disability, Supplemental Security Income, and Veteran’s disability claims for residents across Northeast Ohio. The team offers free consultations and works on a no-fee-unless-you-win basis, guiding clients through complex claims with patience and thoroughness. Some clients note the process can be lengthy, but appreciate the firm’s steady support throughout.
Nilges Draher LLC
Specializing in disability discrimination law, Nilges Draher LLC assists clients facing unfair treatment or denial of accommodations at work. The team offers clear guidance on legal options and handles cases with promptness and professionalism. Clients appreciate their knowledgeable, caring approach and find them easy to work with throughout the process.
Bentoff & Duber Co., L.P.A.
With over 50 years of experience, Bentoff & Duber Co., L.P.A. focuses on helping clients with serious injuries and disability claims, including workers' compensation and social security benefits. The team is known for persistent advocacy and arranging medical care, though some clients note less attention if cases don’t go their way.
Vecchio & Vegh, LLC
Vecchio & Vegh, LLC focuses on Social Security Disability claims alongside personal injury and other legal matters, drawing on over 60 years of combined experience. The team handles complex cases like medical malpractice and wrongful death, with clients appreciating their personalized, caring approach and thorough support throughout the legal process.
Ehrenreich And Associates
Leonard Ehrenreich was a 1973 graduate of Case Western Reserve University School of Law and took the role of Assistant Director of Law at the City of Cleveland. With several Directors of Law in Cleveland, including Voinovich, Kucinich, Perk, and Kucinich, he worked on many major cases. He was also an appellate judge in several Courts of Appeals and won every case. His expertise is well-known and… more...
Leonard Ehrenreich was a 1973 graduate of Case Western Reserve University School of Law and took the role of Assistant Director of Law at the City of Cleveland. With several Directors of Law in Cleveland, including Voinovich, Kucinich, Perk, and Kucinich, he worked on many major cases. He was also an appellate judge in several Courts of Appeals and won every case. His expertise is well-known and Mr. Ehrenreich has represented clients throughout the United States as well as abroad. He is admitted to the Federal and State courts of Ohio, along with the Supreme Court of the United States. Ehrenreich is also an active member of the Ohio Bar Association as well as the Cleveland Bar Association. Are you having difficulty getting your Social Security Disability? Turn to Ehrenreich & Associates. Individuals who are denied Social Security benefits can turn to Ehrenreich & Associates. Our team has years of experience in handling Social Security cases and claims. Our clients are our partners in building a solid case. Ehrenreich & Associates can help you learn more about Social Security benefits. To discuss any legal issues, give us a call at (216-861-1070).
Latest reviews of Cleveland Disability Lawyers
Written on TrustAnalytica by clients of the businesses in this list-
Chris Godios is a great disability lawyer, I highly recommend him, Thank You for helping me.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Smith Godios Sorensen Inc. | 4.7 | 69 | $500 | (330) 762-6474 | Visit |
| 2 | Nilges Draher LLC | 5.0 | 25 | $300 | (216) 230-2955 | Visit |
| 3 | Bentoff & Duber Co., L.P.A. | 4.3 | 11 | No Win, No Fee | (216) 861-1234 | Visit |
| 4 | Vecchio & Vegh, LLC | 5.0 | 5 | $500 | (216) 566-1424 | Visit |
| 5 | Ehrenreich And Associates | 5.0 | 1 | — | (216) 406-5104 | Visit |
How this Cleveland 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.
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. 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 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.
Frequently asked questions
9 questionsHow does the long-term disability settlement calculator work?
Why is my LTD settlement less than full value?
What is the deadline for appealing a denied LTD claim in Ohio?
What is a long-term disability buyout?
How do SSDI benefits affect my LTD settlement in Cleveland?
Are LTD settlements taxable in Ohio?
What happens if my LTD claim is denied in Ohio?
What is the difference between 'own occupation' and 'any occupation' in LTD policies?
How accurate is the LTD settlement estimate?
General information, not legal advice — consult a licensed Ohio attorney.