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Review Keywords Analysis

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

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 Memphis

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

1

The Crone Law Firm, PLC

The Crone Law Firm, PLC focuses on employment-related legal issues for employees, executives, and entrepreneurs nationwide. Their team handles cases involving workplace disputes and also assists businesses with legal challenges and formations. Clients appreciate their clear communication and thorough support, though one review expressed dissatisfaction without detail.

Services & Prices
EEOC Mediation $500 - $1500
Class Action Lawsuit $1000 - $5000
Employment Settlement Negotiation $1000 - $3000
Malpractice Lawsuit $5000 - $15000
View Profile
(901) 587-5900
Closed Now
88 Union Ave 14th Floor, Memphis, TN 38103, USA
General Services
Employment Law
2

Donati Law, PLLC

Specializing in Social Security Disability law since 1995, Donati Law, PLLC offers experienced legal support with over 150 years of combined attorney experience. The team focuses on maximizing recoveries and is willing to take cases to court if needed. Clients appreciate their clear communication and thorough handling, though some note occasional dissatisfaction with individual representation.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Insurance Claim Handling No Win, No Fee
View Profile
(901) 209-5500
Closed Now
1545 Union Ave, Memphis, TN 38104, USA
General Services
Workers' Compensation Claims
3

Reaves Law Firm, PLLC

Reaves Law Firm, PLLC focuses on representing clients in slip and fall and personal injury cases where negligence is involved. The team assists with gathering evidence like surveillance footage to build claims and offers free consultations with no fees unless they recover money. Some clients appreciate their responsiveness, while others have noted communication challenges during their cases.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Slip and Fall Cases No Win, No Fee
View Profile
(901) 352-0333
Closed Now
2650 Thousand Oaks Blvd #3100,Memphis, TN 38118
General Services
Workers' Compensation Claims
4

Heermans Social Security & Disability Law Firm

Heermans Social Security & Disability Law Firm focuses on helping disabled claimants with Social Security Disability (SSD) and Supplemental Security Income (SSI) applications and appeals. The team is known for clear communication and thorough support throughout the process, though some clients note the time involved can be lengthy. Their service covers Tennessee, Arkansas, Mississippi, and… more...

Heermans Social Security & Disability Law Firm focuses on helping disabled claimants with Social Security Disability (SSD) and Supplemental Security Income (SSI) applications and appeals. The team is known for clear communication and thorough support throughout the process, though some clients note the time involved can be lengthy. Their service covers Tennessee, Arkansas, Mississippi, and Louisiana.

Services & Prices
Initial Application Assistance $500 - $1000
Appeals and Reconsiderations $1000 - $2000
Hearing Preparation and Representation $2000 - $3000
View Profile
(901) 244-0057
Open 00:00 - 23:59
895 Cooper St Ste. 8, Memphis, TN 38104, USA
General Services
Social Security Disability Representation
5

Ryan Disability Law

Ryan Disability Law focuses exclusively on disability cases, bringing extensive experience from thousands of claims handled since the attorney’s early career. The team assists with Social Security disability appeals and related matters, with clients appreciating clear communication, compassionate support, and thorough preparation throughout the process.

Services & Prices
Appeal Filing $200 - $500
Hearing Representation $500 - $1000
Medicare Application Support $150 - $300
Medicare Coverage Guidance $100 - $200
View Profile
(901) 765-8484
Closed Now
2157 Madison Ave Ste. 107, Memphis, TN 38104, USA
General Services
Disability Representation
Where they are 9 on the map Click a pin for the profile and directions
6

Becker Law Firm

Becker Law Firm brings over 20 years of experience in employment law, focusing on workplace disputes and human resources compliance. The team offers services such as contract review, employee handbook drafting, and training on employment regulations. Clients appreciate the firm’s thoroughness and clear communication, though some note occasional delays in responsiveness.

Services & Prices
Divorce Representation $1000 - $2000
Family Mediation $800 - $1500
Wrongful Termination Cases $1200 - $5000
Contract Review $200 - $400
View Profile
(901) 881-6205
Closed Now
1038 Oakhaven Rd, Memphis, TN 38119, USA
General Services
Family Law
7

Schuerman Smith & Associates PLLC

Specializing in social security disability and personal injury cases, Schuerman Smith & Associates PLLC has been assisting Mid-South residents since 2008. The team also handles bankruptcy and other legal matters, with clients noting their responsive communication and supportive approach throughout the process. Some find the firm’s availability for ongoing advice particularly helpful.

Services & Prices
Divorce Proceedings $500 - $2000
Child Custody $400 - $1500
Adoption Services $800 - $3000
Felony Defense $1000 - $5000
View Profile
(901) 794-6720
Closed Now
5865 Ridgeway Center Pkwy,Memphis, TN 38120
General Services
Family Law Services
8

Betsy Warren Wilson

Specializing in Social Security Disability Insurance (SSDI) cases, this firm focuses on helping clients secure the benefits they need when unable to work due to disability. The team offers knowledgeable representation in navigating SSA regulations and is often described as professional, compassionate, and thorough. Some clients note limited flexibility regarding certain medical histories.

Services & Prices
Initial Claim Preparation $500 - $800
Appeal Representation $1000 - $2000
Hearing Representation $1200 - $2500
Document Review $300 - $500
View Profile
(901) 276-5300
Closed Now
200 Jefferson Ave #201, Memphis, TN 38103, USA
General Services
Social Security Disability
9

Loevy Law Office

She was born and raised in New Orleans. Ms. Loevy received her bachelor of science degree in finance at the University of New Orleans. She graduated from the University of Memphis' Cecil C. Humphreys School of Law in 1991 with a degree in law.

View Profile
(901) 278-2800
Closed Now
4646 Poplar Ave #541,Memphis, TN 38117

Latest reviews of Memphis Disability Lawyers

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

    i never heard if i wasn’t satisfied with my offer from my insurance that my law firm would drop me and close my case..Well that what reaves law told me

  • Tijuana

    If I could leave a worse review, I would! I reached out to the Becker Law firm back in June and, as per the email response, paid a $100 consultation fee and scheduled a meeting in July. After the meeting, I agreed to hire them for a simple family mediation case for $1200. I told Misty Becker that I…

Memphis Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 The Crone Law Firm, PLC 4.8 239 $500 (901) 587-5900 Visit
2 Donati Law, PLLC 4.4 100 $100 (901) 209-5500 Visit
3 Reaves Law Firm, PLLC 3.9 101 No Win, No Fee (901) 352-0333 Visit
4 Heermans Social Security & Disability Law Firm 5.0 57 $500 (901) 244-0057 Visit
5 Ryan Disability Law 5.0 43 $100 (901) 765-8484 Visit
6 Becker Law Firm 4.4 31 $200 (901) 881-6205 Visit
7 Schuerman Smith & Associates PLLC 4.7 11 $150 (901) 794-6720 Visit
8 Betsy Warren Wilson 4.2 12 $150 (901) 276-5300 Visit
9 Loevy Law Office 3.7 3 — (901) 278-2800 Visit

How this Memphis 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.

Tennessee 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 Tennessee 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

8 questions
How does the long-term disability settlement calculator work?
The calculator estimates back pay, future benefits to age 65, and a typical lump-sum settlement range based on policy details, SSDI offset, age, and months unpaid.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle future LTD benefits. It's typically 30-75% of the present value, depending on claim status, with back pay added.
Why are LTD settlements below full value?
Settlements are discounted to reflect the risk and time value of money, typically landing at 30-75% of future benefits' present value.
What are the Tennessee deadlines for appealing a denied LTD claim?
Under ERISA, you must appeal within 180 days of denial. State law deadlines vary for non-ERISA plans.
How does an ERISA appeal work for LTD claims?
You must file an internal appeal within 180 days. The insurer has 45 days, plus a possible 45-day extension, to decide.
Is a long-term disability settlement taxable in Tennessee?
If your employer paid the premiums or you used pre-tax dollars, settlements are taxable. If paid with after-tax money, they usually aren't. Seek tax advice.
What is the own-occupation vs any-occupation test?
Most LTD policies switch from an 'own occupation' to an 'any occupation' test after 24 months, affecting eligibility.
What should I do if my LTD claim was denied in Memphis?
Consider appealing within the required timeframe. ERISA claims need an internal appeal; non-ERISA claims may follow state law.

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