Long-Term Disability Settlement Calculator Toledo, 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).
Heller, Maas, Moro & Magill Co., LPA
4.6 · 100 reviews · Disability claims
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Thomas A. Sobecki, Attorney at Law
4.0 · 33 reviews · Disability claims
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Toledo Bar Association Lawyer Referral
3.8 · 29 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 Toledo
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Heller, Maas, Moro & Magill Co., LPA
Heller, Maas, Moro & Magill Co., LPA focuses on helping Northeastern Ohio residents secure Social Security Disability and Supplemental Security Income benefits. Their team assists with applications and appeals, often praised for clear communication and responsiveness, though some clients note occasional delays in callbacks or case progress.
Thomas A. Sobecki, Attorney at Law
With over 35 years focused on employment law, Thomas A. Sobecki, Attorney at Law, offers clear, straightforward guidance for workplace disputes. The practice handles cases involving unfair termination, discipline, and related issues, with clients appreciating honest communication and prompt responses, though some note occasional challenges in follow-through.
Toledo Bar Association Lawyer Referral
The Toledo Bar Association Lawyer Referral connects individuals with local attorneys across various legal fields, including disability law. The team assists by directing clients to qualified lawyers, though some users note challenges with communication and case follow-up. Many appreciate the initial guidance and support provided during the referral process.
Kordic & Braun
Specializing exclusively in Social Security Disability claims, Kordic & Braun offers 24/7 support and personalized attention throughout Ohio and beyond. The team handles appeals and initial applications, with clients noting helpful communication and thorough explanations, though some mention delays typical of federal processes and occasional concerns about responsiveness.
Francis J. Landry
Specializing in employment law, Francis J. Landry has practiced in Ohio for over 40 years, representing workers in disputes with employers. The firm offers consultations and handles cases involving workplace issues, with clients often noting professionalism and dedication, though some express concerns about communication and fees.
The Seitz Law Firm LLC
Seitz Law Firm LLC focuses on providing thoughtful and practical legal solutions with a client-centered approach. They handle disability and personal injury cases, offering clear explanations and responsive communication. Clients appreciate the firm’s honesty and the team’s genuine care throughout the process.
Latest reviews of Toledo Disability Lawyers
Written on TrustAnalytica by clients of the businesses in this list-
NEVER CONTACT THESE CROOKS!!! If you decide you no longer want their services, they will steal a quarter of your back pay anyway, and be incredibly rude to you in the process! AVOID AT ALL COSTS!!!!!
About Kordic & Braun
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Heller, Maas, Moro & Magill Co., LPA | 4.6 | 100 | $300 | (330) 974-1231 | Visit |
| 2 | Thomas A. Sobecki, Attorney at Law | 4.0 | 33 | $500 | (419) 242-9908 | Visit |
| 3 | Toledo Bar Association Lawyer Referral | 3.8 | 29 | $10 | (419) 242-9363 | Visit |
| 4 | Kordic & Braun | 3.3 | 20 | $300 | (216) 621-6684 | Visit |
| 5 | Francis J. Landry | 4.1 | 12 | $1,000 | (419) 351-1683 | Visit |
| 6 | The Seitz Law Firm LLC | 5.0 | 6 | $100 | — | Visit |
How this Toledo 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.