Long-Term Disability Settlement Calculator Tulsa, OK
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).
Troutman & Troutman, P.C.
4.1 · 207 reviews · Disability claims
Free claim review →
The Law Office of Michael R. Green, PLLC
4.0 · 48 reviews · Disability claims
Free claim review →
Colbert Cooper Hill Attorneys
4.2 · 38 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 Tulsa
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Troutman & Troutman, P.C.
Focused exclusively on Social Security Disability law since 1993, Troutman & Troutman, P.C. helps clients at all stages of the benefits process. The team provides thorough communication and support, guiding clients through appeals and applications. Some clients note delays in responsiveness, but many appreciate the firm’s professionalism and clear updates.
The Law Office of Michael R. Green, PLLC
With over 30 years of experience handling workers’ compensation and personal injury claims, this firm focuses on securing compensation for injured individuals and their families. The team manages cases involving insurance disputes, workplace injuries, and wrongful death claims. Some clients note delays and mixed communication, while others appreciate the thoroughness and results.
Colbert Cooper Hill Attorneys
Colbert Cooper Hill Attorneys focus on helping clients navigate the complexities of social security disability claims and appeals. Their team assists with gathering evidence, meeting deadlines, and keeping clients informed throughout the process. While some find their advertising frequent, many appreciate the attentive and timely support provided during challenging cases.
The Law Offices of Trevor Furlong
The Law Offices of Trevor Furlong focus on Social Security Disability and personal injury cases, offering services on a contingency fee basis. Clients appreciate the team’s professionalism and support throughout the process, though some note communication can be slow at times. They handle complex cases involving accidents and nursing home abuse.
Shook & Johnson
Shook & Johnson specialize in employment-related claims and disability benefits, offering focused support on harassment, discrimination, and long-term disability cases. Their team also handles business law matters like contract negotiation and estate planning. Clients appreciate their clear communication and thorough explanations throughout the process.
Barnard Law Firm
Barnard Law Firm focuses on Social Security Disability cases, offering free consultations and working on a contingency fee basis. The team helps clients navigate disability applications and handles paperwork to improve outcomes. Clients appreciate their thoroughness and professionalism, though some have noted occasional communication challenges.
Richard A. Shallcross & Associates, PLLC
Specializing in personal injury and Social Security Disability claims, Richard A. Shallcross & Associates, PLLC represents individuals affected by medical and hospital negligence on a contingent fee basis. The team handles a variety of cases, including automobile accidents and workers’ compensation, with a focus on protecting injured clients rather than corporations. Clients appreciate their… more...
Specializing in personal injury and Social Security Disability claims, Richard A. Shallcross & Associates, PLLC represents individuals affected by medical and hospital negligence on a contingent fee basis. The team handles a variety of cases, including automobile accidents and workers’ compensation, with a focus on protecting injured clients rather than corporations. Clients appreciate their knowledge and willingness to take on challenging cases.
Riggs Abney Neal Turpen: Neal Jamie
Riggs Abney Neal Turpen focuses on providing comprehensive legal services with a strong commitment to public service. The firm handles a variety of cases, including disability law, and is known for clear communication and helpful guidance. Some clients note delays and concerns about responsiveness during their cases.
Tulsa Attorney Directory
The Tulsa Attorney Directory features the detailed profiles of lawyers in Tulsa Oklahoma. Whatever your legal issue, our lawyer directory will simplify your search and allow you to compare attorney experience, and contact attorneys that best fit your legal needs. To get started, use the search box or select a legal issue. If you or someone you know is unable to work because of a long-term… more...
The Tulsa Attorney Directory features the detailed profiles of lawyers in Tulsa Oklahoma. Whatever your legal issue, our lawyer directory will simplify your search and allow you to compare attorney experience, and contact attorneys that best fit your legal needs. To get started, use the search box or select a legal issue. If you or someone you know is unable to work because of a long-term disability, a social security disability lawyer can help. If you are in need of legal assistance in filing a Social Security disability claim hire a lawyer with the Tulsa Attorney Directory.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Troutman & Troutman, P.C. | 4.1 | 207 | $20 | (918) 212-5364 | Visit |
| 2 | The Law Office of Michael R. Green, PLLC | 4.0 | 48 | $200 | (918) 743-2500 | Visit |
| 3 | Colbert Cooper Hill Attorneys | 4.2 | 38 | $400 | (918) 585-1655 | Visit |
| 4 | The Law Offices of Trevor Furlong | 4.6 | 23 | $500 | (918) 221-0516 | Visit |
| 5 | Shook & Johnson | 4.5 | 16 | $150 | (918) 293-1122 | Visit |
| 6 | Barnard Law Firm | 4.8 | 14 | $500 | (918) 392-8420 | Visit |
| 7 | Richard A. Shallcross & Associates, PLLC | 4.9 | 9 | — | (918) 592-1645 | Visit |
| 8 | Riggs Abney Neal Turpen: Neal Jamie | 3.3 | 9 | $150 | (918) 587-3161 | Visit |
| 9 | Tulsa Attorney Directory | 5.0 | 2 | — | (918) 379-9402 | Visit |
How this Tulsa 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.
Oklahoma 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 Oklahoma 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 Tulsa long-term disability settlement calculator work?
What is a long-term disability buyout?
Why might my LTD settlement be less than full value?
What should I do if my LTD claim is denied in Oklahoma?
Are lump-sum LTD settlements taxable in Tulsa?
What is the difference between own-occupation and any-occupation in LTD policies?
How accurate is the Tulsa LTD settlement calculator?
What is the ERISA appeal deadline for denied LTD claims?
Can I sue for bad-faith damages on LTD claims in Oklahoma?
General information, not legal advice — consult a licensed Oklahoma attorney.