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Review Keywords Analysis

  1. United States
  2. Best Disability Lawyers
  3. Disability Lawyers in Oregon
  4. Portland
  5. LTD Settlement Calculator
1 · Your claim
2 · Your benefit
3 · Timeline
4 · Your estimate
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Long-Term Disability Settlement Calculator Portland, OR

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

Deadlines and discount rates are for this state.

General estimate only, not legal or tax advice. No attorney–client relationship is created.

Top-rated disability lawyers in Portland

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Thomas, Coon, Newton & Frost

Thomas, Coon, Newton & Frost focuses on representing individuals pursuing Social Security Disability, workers' compensation, and injury claims. Their team handles every stage of applications and appeals, often guiding clients through complex legal processes with clear communication and support. Some cases can take time, but clients appreciate their thoroughness and compassionate approach.

Services & Prices
Bicycle Accident Representation $15 - $30
Automobile Accident Representation $20 - $40
Wrongful Death Cases $30 - $50
SSDI Claim Representation $15 - $25
View Profile
(503) 228-5222
Open 8:30 AM - 5:00 PM
820 SW 2nd Ave #200, Portland, OR 97204, USA
General Services
Personal Injury Law
2

Roy Law Group

Roy Law Group focuses exclusively on short- and long-term disability claims, including appeals and litigation, but does not handle Social Security Disability cases. Clients appreciate the team’s clear communication, patience, and thorough support throughout often complex and stressful insurance processes. Some note the challenges of lengthy claim timelines, though the firm stays responsive and… more...

Roy Law Group focuses exclusively on short- and long-term disability claims, including appeals and litigation, but does not handle Social Security Disability cases. Clients appreciate the team’s clear communication, patience, and thorough support throughout often complex and stressful insurance processes. Some note the challenges of lengthy claim timelines, though the firm stays responsive and attentive.

Services & Prices
Short Term Disability Claims $500 - $1200
Long Term Disability Claims $1000 - $2500
Disability Appeals $700 - $1500
Pre-hearing Preparation $500 - $1000
View Profile
(503) 206-4313
Open 8:00 AM - 5:00 PM
1000 SW Broadway Suite 900, Portland, OR 97205, USA
General Services
Disability Claims
3

HKM Employment Attorneys LLP

HKM Employment Attorneys LLP focuses on representing employees in all areas of employment law, including counseling and litigation related to disability accommodations under the ADA and Oregon law. The team handles cases involving workplace disputes and severance agreements, with clients appreciating clear explanations and supportive communication, though some note occasional delays and mixed… more...

HKM Employment Attorneys LLP focuses on representing employees in all areas of employment law, including counseling and litigation related to disability accommodations under the ADA and Oregon law. The team handles cases involving workplace disputes and severance agreements, with clients appreciating clear explanations and supportive communication, though some note occasional delays and mixed experiences with responsiveness.

Services & Prices
Package Evaluation $150 - $250
Negotiation Strategy $200 - $350
Legal Representation $300 - $500
Litigation Support $500 - $800
View Profile
(503) 389-1130
Open 7:00 AM - 6:00 PM
621 SW Morrison St #510,Portland, OR 97205
General Services
Severance Package Review
4

Kerr Robichaux & Carroll Law Office

Kerr Robichaux & Carroll Law Office focuses on Social Security Disability and VA claims, working on a contingency fee basis with no retainer required. They handle cases at all stages and assist veterans with compensation and pension benefits. Clients appreciate helpful staff but sometimes find communication and follow-up inconsistent.

Services & Prices
Hearing Representation $1200 - $2000
Appeals Processing $600 - $1200
Medical Records Retrieval $150 - $300
Filing Appeals $300 - $600
View Profile
(503) 255-9092
Open 8:00 AM - 5:00 PM
626 SE Alder St, Portland, OR 97214, USA
General Services
Disability Representation
5

Rizk Law - Personal Injury & Accident Lawyers

Rizk Law focuses on personal injury cases, representing accident victims across the Portland metro area with knowledge of Oregon and Washington laws. Their team handles a range of claims including car and truck accidents, wrongful death, and nursing home abuse. Clients appreciate their thorough communication, though some note cases can take considerable time to resolve.

Services & Prices
Medical Malpractice No Win, No Fee
Personal Injury Claims No Win, No Fee
Serious Injury Cases No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(503) 245-5677
Open 9:00 AM - 5:00 PM
434 S Iowa St, Portland, OR 97239, USA
General Services
Personal Injury Representation
Where they are 10 on the map Click a pin for the profile and directions
6

Law Offices of Nay & Friedenberg LLC

Known for handling complex estate planning and elder law matters, Law Offices of Nay & Friedenberg LLC assists clients with wills, trusts, Medicaid planning, and probate cases. The team is praised for clear communication and compassionate guidance, though some clients note the process can feel detailed and thorough.

Services & Prices
Will Preparation $200 - $500
Trust Setup $600 - $1200
Power of Attorney $100 - $300
Probate Process Guidance $1000 - $3000
View Profile
(503) 245-0894
Open 8:00 AM - 5:00 PM
6500 S Macadam Ave #300, Portland, OR 97239, USA
General Services
Estate Planning
7

Ransom, Gilbertson, Martin & Ratliff, LLP

With over 50 years of experience, Ransom, Gilbertson, Martin & Ratliff, LLP focuses on Workers' Compensation, Personal Injury, and Social Security Disability cases across Oregon. The team is known for taking time to listen and guide clients through complex claims, helping many feel supported during difficult times. Some clients note the process can be slow, but appreciate the firm’s thorough… more...

With over 50 years of experience, Ransom, Gilbertson, Martin & Ratliff, LLP focuses on Workers' Compensation, Personal Injury, and Social Security Disability cases across Oregon. The team is known for taking time to listen and guide clients through complex claims, helping many feel supported during difficult times. Some clients note the process can be slow, but appreciate the firm’s thorough communication.

Services & Prices
Claim Representation $1000 - $3000
Claim Denial Assistance $500 - $2000
Disability Claim Filing $500 - $1500
Appeals Representation $1000 - $2500
View Profile
(503) 226-3664
Open 9:00 AM - 5:00 PM
5441 S Macadam Ave Suite 301, Portland, OR 97239, USA
General Services
Workers Compensation
8

Welch Bruun & Green

Welch Bruun & Green focuses on helping clients navigate Social Security Disability claims and appeals, especially when facing strict deadlines. They assist with filing SSD and SSI applications and offer guidance throughout the appeal process. Some clients find their communication inconsistent, though others appreciate their persistence in complex cases.

Services & Prices
Claim Filing Assistance $300 - $600
Representation in Hearings $1500 - $3000
Settlement Negotiation $1000 - $5000
Trial Representation $5000 - $15000
View Profile
(503) 221-0870
Open 9:00 AM - 5:00 PM
4380 S Macadam Ave #120, Portland, OR 97239, USA
General Services
Workers Compensation
9

The Advocates

Founded in 1991, The Advocates focus on representing injured individuals against large corporations and insurance companies. Their team handles personal injury cases, guiding clients through complex legal challenges with clear communication and support. Clients appreciate their knowledgeable, patient approach, though the process can still feel overwhelming at times.

Services & Prices
Car Accidents $1500 - $3000
Slip and Fall $1000 - $2500
Medical Malpractice $5000 - $15000
Contract Disputes $2500 - $5000
View Profile
(503) 966-3172
Open 8:30 AM - 5:00 PM
400 SW 6th Ave #610,Portland, OR 97204
General Services
Personal Injury Law
10

Stephenson Law, LLC

Meyer Stephenson's Oregon employment lawyers have represented clients in more than 20 jury trials. Meyer Stephenson has the ability to represent clients in any type of Oregon employment law case. Oregon's employment lawyers are skilled in representing employees. In cases that involve discrimination, harassment, or retaliation as well as employment contracts, wage claims, and wrongful termination… more...

Meyer Stephenson's Oregon employment lawyers have represented clients in more than 20 jury trials. Meyer Stephenson has the ability to represent clients in any type of Oregon employment law case. Oregon's employment lawyers are skilled in representing employees. In cases that involve discrimination, harassment, or retaliation as well as employment contracts, wage claims, and wrongful termination, we work hourly and on a contingent fee. Is your work environment unfair? Is your workplace treating you differently? Do you notice a lack of employees who are your gender, race, or another classification in your workplace? Are you seeing other people like you being treated worse or placed in lower-ranking positions at work? Federal and Oregon laws protect employees from discrimination at work. This means that you cannot be fired, demoted, pay less, or treated differently simply because you are a member of a protected group.

View Profile
Open 9:00 AM - 5:00 PM
1 SW Columbia St #1850, Portland, OR 97258, USA

Latest reviews of Portland Disability Lawyers

Written on TrustAnalytica by clients of the businesses in this list
  • Benehakaka

    After waiting almost 3 years and getting them all my information myself they didn't even show up to my hearing. I wasted time and money I don't even have.

  • Lisa

    This law firm contacted me everyday to get my case, when I did get my disability benefits I thought I might hear from my lawyer but I did not so I contacted them in April and told them I got my disability benefits.. never heard from them again.. until a situation came up and I needed emergency fundi…

  • Gina

    A big thank you to Darren Class, attorney, and Kali from Roy Law Group for fighting for me to get my short term and long term disability claims honored by Lincoln. I noticed the money in my account today. I have been struggling financially and this means so much for both me and my daughter. I am very grateful.

Portland Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Thomas, Coon, Newton & Frost 4.9 100 $15 (503) 228-5222 Visit
2 Roy Law Group 4.8 101 $500 (503) 206-4313 Visit
3 HKM Employment Attorneys LLP 4.2 95 $100 (503) 389-1130 Visit
4 Kerr Robichaux & Carroll Law Office 3.5 105 $150 (503) 255-9092 Visit
5 Rizk Law - Personal Injury & Accident Lawyers 4.7 64 No Win, No Fee (503) 245-5677 Visit
6 Law Offices of Nay & Friedenberg LLC 4.8 47 $100 (503) 245-0894 Visit
7 Ransom, Gilbertson, Martin & Ratliff, LLP 5.0 22 $150 (503) 226-3664 Visit
8 Welch Bruun & Green 3.4 28 $200 (503) 221-0870 Visit
9 The Advocates 5.0 7 $1,000 (503) 966-3172 Visit
10 Stephenson Law, LLC 5.0 2 — — Visit

How this Portland 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.

Oregon 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 Oregon 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

10 questions
How does the Portland long-term disability settlement calculator work?
It estimates back pay, future benefits to age 65, their present value, and typical lump-sum settlement ranges based on your claim status, policy, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle your future LTD benefits. It typically ranges from 30-75% of the present value, depending on claim status.
Why are LTD settlements below full value?
Settlements account for the risk and uncertainty of future payments. They are typically 30-75% of the present value of future benefits, plus back pay.
What should I do if my LTD claim is denied in Oregon?
Under ERISA, file an internal appeal within 180 days. For non-ERISA plans, state law applies, and you may have additional options.
How does SSDI affect my LTD benefits?
Most LTD policies reduce benefits by any SSDI received. This offset can affect your monthly LTD payment and settlement value.
Is my LTD settlement taxable in Portland?
If premiums were paid with pre-tax dollars or by your employer, settlements are taxable. If paid with after-tax money, they generally are not. Seek tax advice.
What is the difference between 'own occupation' and 'any occupation'?
LTD policies often switch from covering your 'own occupation' to 'any occupation' after 24 months, affecting eligibility for benefits.
How accurate is the Portland LTD settlement calculator?
The calculator provides estimates based on typical ranges and user inputs. Actual settlements may vary due to specific policy terms and negotiations.
What is the deadline for appealing a denied LTD claim in Oregon?
For ERISA-governed plans, you must appeal within 180 days of denial. Non-ERISA plans follow state law deadlines.
Can I sue for bad-faith damages in Oregon if my LTD claim is denied?
Under state law, non-ERISA plans may allow bad-faith damages, unlike ERISA plans, which do not permit punitive damages.

General information, not legal advice — consult a licensed Oregon attorney.