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Review Keywords Analysis

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

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 Austin

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

1

Ross • Scalise Employment Lawyers

Ross • Scalise Employment Lawyers focuses on employment law, providing personal attention to cases involving wrongful termination and workplace disputes. Their team handles claims through negotiation, mediation, or trial, with clients appreciating clear communication and thorough explanations, though some note consultation fees that may be a barrier for those unemployed.

Services & Prices
Wrongful Termination Lawsuit $350 - $1000
EEOC Filing Assistance $500 - $1500
Contract Review $200 - $600
Separation Agreement Review $150 - $400
View Profile
(512) 598-1466
Open 00:00 - 23:59
1104 San Antonio St, Austin, TX 78701, USA
General Services
Employment Law
2

Bemis, Roach & Reed

Bemis, Roach & Reed focuses on guiding clients through Social Security Disability claims, including SSDI and SSI applications and appeals. The team is known for clear communication and steady support throughout the often lengthy process, though some clients note that hands-on guidance can vary depending on the stage of the claim.

Services & Prices
Initial Application Assistance $2000 - $3000
Appeal Representation $3000 - $4000
Hearing Representation $3500 - $4500
Claim Filing Assistance $1500 - $2500
View Profile
(512) 454-4000
Closed Now
4100 Duval Rd Bldg. 1, #200, Austin, TX 78759, USA
General Services
Social Security Disability Representation
3

Reyes & Reyes Law Firm, PLLC

Reyes & Reyes Law Firm, PLLC focuses on disability cases, helping clients navigate Social Security and medical assistance claims. The team is known for being friendly and communicative, often explaining clients’ rights clearly. Some clients note occasional limits in the firm’s willingness to take on follow-up issues.

Services & Prices
Social Security Disability Assistance $500 - $700
Long-Term Disability Claims $800 - $1200
Appeals for Disability Denials $600 - $900
Personal Injury Claims $1500 - $2500
View Profile
(512) 371-1990
Closed Now
8011 Cameron Rd, Austin, TX 78754, USA
General Services
Disability Law
4

Carabin & Shaw P.C., Attorneys At Law

Carabin & Shaw P.C. focuses on representing individuals injured in auto and worksite accidents, with over 28 years of experience in personal injury law. The team handles cases involving wrongful death and serious injuries, working closely with medical experts to support clients’ recovery. Clients appreciate their clear communication and attentive service throughout the process.

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 Injury Cases No Win, No Fee
View Profile
(512) 832-1101
Open 00:00 - 23:59
1609 Shoal Creek Blvd #100, Austin, TX 78701, USA
General Services
Workers' Compensation Claims
5

Law Offices of Shirley Vu PLLC

With over 15 years of experience helping Texans secure Social Security and SSI disability benefits, this firm offers personal attention throughout the application and appeals process. The team also handles wills and estate matters, and clients appreciate their clear communication and responsiveness, though some cases can take time due to the complexity involved.

Services & Prices
SSI Application Assistance $500 - $1000
SSDI Application Assistance $500 - $1000
Disability Appeal Services $600 - $1200
Court Representation $1000 - $2000
View Profile
(866) 915-2088
Closed Now
7600 Chevy Chase Dr Suite 300, Austin, TX 78752, USA
General Services
Disability Claims
Where they are 9 on the map Click a pin for the profile and directions
6

Disability Rights Texas

Focused on protecting the rights of people with disabilities, Disability Rights Texas offers legal services aimed at ensuring equal participation in society. The team handles a range of disability law issues, with some clients appreciating their professionalism and knowledge, while others note challenges in communication and responsiveness.

Services & Prices
Disability Rights Representation $100 - $150
Advocacy Services $75 - $125
Training for Families of Disabled Individuals $200 - $300
Workplace Disability Awareness Training $150 - $250
View Profile
(512) 454-4816
Closed Now
2222 W Braker Ln, Austin, TX 78758, USA
General Services
Legal Services
7

Cotton, Castano & Richardson, PLLC

Known for focusing on Social Security Disability claims, Cotton, Castano & Richardson, PLLC helps clients navigate the benefits process with clear communication and detailed guidance. Their team handles case preparation and court representation, earning praise for professionalism and persistence, though some clients have noted occasional delays in phone responses.

Services & Prices
Application Assistance $200 - $600
Appeals Representation $1000 - $3000
Negotiation Services $500 - $2000
Settlement Agreements $1000 - $5000
View Profile
(512) 472-5100
Closed Now
812 San Antonio St #510, Austin, TX 78701, USA
General Services
Social Security Disability Assistance
8

Lovins Trosclair, PLLC

Lovins Trosclair, PLLC focuses on disability and personal injury cases, handling complex claims that often involve difficult legal challenges. The team provides thorough legal advice and stays patient throughout lengthy processes, with clients appreciating their honesty and compassionate approach. Some note occasional unprofessionalism in initial phone interactions.

Services & Prices
Car Accident Representation $3000 - $5000
Negligence Claims $2000 - $4000
Defective Product Litigation $2500 - $4500
Contract Drafting $500 - $1500
View Profile
(512) 535-1649
Closed Now
1301 S Capital of Texas Hwy Building A, Suite 136, Austin, TX 78746, USA
General Services
Personal Injury Law
9

Greg Reed Esq.

Mr. Reed grew up the son of a United States Air Force fighter pilot spending most of his young life in Europe and Japan, finally settling in Houston for high school. Mr. Reed was a Houston police officer and detective for 10 years. During his time as a police officer he took classes and earned his Bachelor of Science in Criminal Justice from the University of Houston Downtown in 1988. He then… more...

Mr. Reed grew up the son of a United States Air Force fighter pilot spending most of his young life in Europe and Japan, finally settling in Houston for high school. Mr. Reed was a Houston police officer and detective for 10 years. During his time as a police officer he took classes and earned his Bachelor of Science in Criminal Justice from the University of Houston Downtown in 1988. He then moved to Austin to attend law school. In 1991 Mr. Reed graduated from the University of Texas School of Law earning his J.D. He was admitted to the State Bar of Texas in 1991.

View Profile
(512) 454-4000
Closed Now
4100 Duval Rd Bldg. 1, #200, Austin, TX 78759, USA
Austin Disability Lawyers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Ross • Scalise Employment Lawyers 4.6 159 $150 (512) 598-1466 Visit
2 Bemis, Roach & Reed 4.6 95 $200 (512) 454-4000 Visit
3 Reyes & Reyes Law Firm, PLLC 4.5 40 $500 (512) 371-1990 Visit
4 Carabin & Shaw P.C., Attorneys At Law 4.8 34 No Win, No Fee (512) 832-1101 Visit
5 Law Offices of Shirley Vu PLLC 4.7 31 $300 (866) 915-2088 Visit
6 Disability Rights Texas 4.1 26 $10 (512) 454-4816 Visit
7 Cotton, Castano & Richardson, PLLC 4.5 22 $100 (512) 472-5100 Visit
8 Lovins Trosclair, PLLC 4.8 18 $500 (512) 535-1649 Visit
9 Greg Reed Esq. 5.0 2 — (512) 454-4000 Visit

How this Austin 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.

Texas 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 Texas 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 owed, future benefits to age 65, their current value, and a typical lump-sum settlement range based on your claim status and policy details.
Why are long-term disability settlements below full value?
Settlements are typically 30-75% of future benefits' present value, reflecting risk and uncertainty. Back pay is added separately.
What is a long-term disability buyout?
A buyout is a lump-sum payment to settle your claim, often 30-75% of future benefits' present value, depending on claim status.
What should I do if my LTD claim is denied in Texas?
Under ERISA, file an internal appeal within 180 days. Non-ERISA plans may allow state court lawsuits with potential bad-faith damages.
Are LTD settlements taxable in Austin?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax dollars, they generally aren't. Seek tax advice.
What is the own-occupation vs any-occupation test in LTD policies?
Most LTD policies switch from an 'own occupation' to an 'any occupation' test after 24 months, affecting benefit eligibility.
How accurate is the LTD settlement calculator?
The calculator provides general estimates based on typical ranges and policy details. Actual settlements vary.
What is the deadline for filing an ERISA appeal in Texas?
You must file an internal appeal within 180 days of a denial under ERISA rules.

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