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Review Keywords Analysis

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

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

1

Ponce Law

Ponce Law offers a No Fee Guarantee, so clients don’t pay unless their case is won. The firm assists with Social Security Disability claims, personal injury from car and motorcycle accidents, medical malpractice, and more. Clients appreciate the team’s responsiveness and clear communication, though some have noted occasional delays in initial contact.

Services & Prices
Car Accident Claims $5000 - $15000
Motorcycle Accident Claims $5000 - $15000
Workplace Injury Claims $3000 - $10000
Social Security Disability Claims $1000 - $3000
View Profile
(615) 551-2685
Closed Now
400 Professional Park Dr, Goodlettsville, TN 37072, USA
General Services
Personal Injury Law
2

Rocky McElhaney Law Firm

Rocky McElhaney Law Firm focuses on helping clients secure Social Security Disability benefits and workers' compensation claims in Tennessee. The team guides clients through complex paperwork and legal deadlines with clear communication and responsiveness. Some clients note a busy schedule but appreciate the firm’s thorough and supportive approach.

Services & Prices
Car Accident Claims $10000 - $50000
Motorcycle Accident Claims $15000 - $60000
Work Injury Claims $12000 - $45000
Claim Filing Assistance $5000 - $20000
View Profile
(615) 323-2053
Open 00:00 - 23:59
545 Mainstream Dr #105, Nashville, TN 37228, USA
General Services
Personal Injury Law
3

Downard & Associates

Downard & Associates focuses on Social Security Disability and Bankruptcy Law, helping clients navigate complex benefit claims and appeals. The team handles cases from initial applications through denials, aiming to prevent delays. Clients appreciate their helpfulness and care, though some note challenges with communication and responsiveness.

Services & Prices
SSI Application Assistance $100 - $200
Disability Appeal Representation $200 - $400
Hearing Preparation $150 - $300
Medical Record Compilation $100 - $200
View Profile
(615) 255-4307
Closed Now
822 Wren Rd, Goodlettsville, TN 37072, USA
General Services
Disability Representation
4

Podis & Podis

Podis & Podis specializes in Chapter 7 and Chapter 13 bankruptcy filings for individuals and couples seeking debt relief. The team offers free consultations to help clients explore bankruptcy and non-bankruptcy options, aiming to stop foreclosures, repossessions, and wage garnishments. Clients often note their thoroughness and willingness to answer questions, though some mention occasional… more...

Podis & Podis specializes in Chapter 7 and Chapter 13 bankruptcy filings for individuals and couples seeking debt relief. The team offers free consultations to help clients explore bankruptcy and non-bankruptcy options, aiming to stop foreclosures, repossessions, and wage garnishments. Clients often note their thoroughness and willingness to answer questions, though some mention occasional communication challenges near case completion.

Services & Prices
Chapter 7 Bankruptcy $1500 - $3000
Chapter 13 Bankruptcy $3000 - $5000
Debt Settlement $1000 - $3500
Credit Counseling $50 - $200
View Profile
(615) 399-3800
Closed Now
4535 Harding Pike Ste 105,Nashville, TN 37205
General Services
Bankruptcy Services
5

Cody Allison & Associates, PLLC

Specializing in ERISA and non-ERISA long-term disability claims, Cody Allison & Associates, PLLC offers experienced legal support for individuals navigating complex disability benefit disputes. The team handles appeals and litigation with a focus on clear communication and personal attention, though cases can require patience due to the detailed nature of insurance reviews.

Services & Prices
Long Term Disability Claims $1500 - $3000
Short Term Disability Claims $1000 - $2500
Supplemental Disability Insurance Denials $1200 - $2800
Personal Injury Claims $2000 - $5000
View Profile
(615) 234-6000
Open 00:00 - 23:59
95 White Bridge Rd #250, Nashville, TN 37205, USA
General Services
Disability Claims
Where they are 9 on the map Click a pin for the profile and directions
6

Music City Disability LLC

With over twenty years of experience as a former Social Security Administration employee, Music City Disability LLC specializes in Social Security Disability and Federal Employment Law. The team handles hearings, appeals, continuing disability reviews, and labor disputes, often praised for deep expertise and effective advocacy, though some clients note limited communication during cases.

Services & Prices
Representation at Hearings $1500 - $2500
Appeals Process Assistance $500 - $1000
Representation in VA Hearings $2000 - $3000
Appeals Assistance for VA Decisions $700 - $1200
View Profile
(888) 687-4270
Closed Now
128 Cude Ln, Madison, TN 37115, USA
General Services
Social Security Disability Services
7

The Law Office of Joy Nguyen

Focused on disability and special education law, this office helps clients navigate complex issues like IEP revisions and disability rights advocacy. The team is praised for being compassionate, thorough, and responsive, though some clients note the emotional intensity of cases can be challenging. Their work often brings meaningful change for families and youth.

Services & Prices
IEP Guidance $200 - $400
FBA Revision $150 - $300
Educational Advocacy $300 - $600
Special Education Litigation $500 - $1000
View Profile
(615) 475-8355
Closed Now
5115 Maryland Way Suite 160, Brentwood, TN 37027, USA
General Services
Individual Advocacy
8

Calhoun Law, PLC

Calhoun Law, PLC focuses on personal injury cases, helping clients understand their rights and pursue compensation after serious accidents. The team is known for clear communication and thorough case reviews, often explaining why certain claims may not move forward. Some clients have noted less positive experiences with front office interactions.

Services & Prices
Representation in Claims $300 - $500
Settlement Negotiation $400 - $600
Business Formation Advice $200 - $400
Contract Review $100 - $300
View Profile
(615) 250-8000
Open 00:00 - 23:59
222 2nd Ave N #210, Nashville, TN 37201, USA
General Services
Personal Injury Law
9

The Law Firm of Kevin A. Moore

Specializing in Social Security Disability, personal injury, and workers' compensation cases, this Nashville firm assists clients throughout Tennessee. The team is known for responsive communication and a hands-on approach, with clients appreciating direct contact and clear explanations, though some note the challenges posed by changing workers’ compensation laws.

Services & Prices
Claim Representation $500 - $2500
Appeals Assistance $300 - $1500
Case Representation $1000 - $5000
Settlement Negotiation $500 - $3000
View Profile
(888) 452-3043
Closed Now
102 Woodmont Blvd, Nashville, TN 37205, USA
General Services
Worker's Compensation
Nashville Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Ponce Law 4.8 100 $1,000 (615) 551-2685 Visit
2 Rocky McElhaney Law Firm 4.7 100 $2,000 (615) 323-2053 Visit
3 Downard & Associates 4.3 100 $50 (615) 255-4307 Visit
4 Podis & Podis 4.3 74 $50 (615) 399-3800 Visit
5 Cody Allison & Associates, PLLC 5.0 38 $1,000 (615) 234-6000 Visit
6 Music City Disability LLC 4.7 13 $300 (888) 687-4270 Visit
7 The Law Office of Joy Nguyen 5.0 12 $50 (615) 475-8355 Visit
8 Calhoun Law, PLC 4.6 12 $100 (615) 250-8000 Visit
9 The Law Firm of Kevin A. Moore 4.9 8 $200 (888) 452-3043 Visit

How this Nashville 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?
It estimates back pay and future benefits based on your claim status, policy type, monthly benefit, SSDI offset, age, and months unpaid.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your claim, typically 30-75% of future benefits' present value, plus any back pay.
Why are LTD settlements below full value?
Insurers offer less than full value to account for risks and uncertainties in future payments.
What if my long-term disability claim is denied in Tennessee?
Under ERISA, file an internal appeal within 180 days. Outside ERISA, you may sue in state court.
How does SSDI affect my LTD benefits?
Most policies reduce LTD benefits by any SSDI received, affecting the total settlement estimate.
Is my LTD settlement taxable in Nashville?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax dollars, they generally aren't.
What is the difference between own-occupation and any-occupation?
Many policies switch from covering your own occupation to any occupation after 24 months.
How accurate is the LTD settlement calculator?
The calculator provides general estimates based on typical ranges and factors; actual settlements vary.

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