Long-Term Disability Settlement Calculator Plano, 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
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).
Bailey & Galyen Attorneys at Law
4.7 · 100 reviews · Disability claims
Free claim review →
The Zendeh Del Law Firm, PLLC
4.7 · 93 reviews · Disability claims
Free claim review →
MAS Law
4.3 · 100 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 Plano
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Bailey & Galyen Attorneys at Law
Bailey & Galyen has nearly 40 years of experience helping Texans navigate Social Security Disability claims and other legal matters. Their team assists with personal injury, family law, employment, and criminal defense, with clients appreciating their clear communication and patient guidance throughout the disability process. Some find the process slow but note the firm’s attentiveness.
The Zendeh Del Law Firm, PLLC
The Zendeh Del Law Firm, PLLC offers experienced representation in Social Security Disability and other legal matters, drawing on decades of combined expertise. Their team handles cases with personalized attention and clear communication, helping clients navigate complex processes while providing steady support through all phases of a case. Some clients note occasional delays in response times… more...
The Zendeh Del Law Firm, PLLC offers experienced representation in Social Security Disability and other legal matters, drawing on decades of combined expertise. Their team handles cases with personalized attention and clear communication, helping clients navigate complex processes while providing steady support through all phases of a case. Some clients note occasional delays in response times, though many appreciate the firm’s thoroughness and care.
MAS Law
MAS Law focuses on personal injury cases, helping clients navigate claims and seek compensation. The team also handles other legal matters like divorce and civil suits, with clients appreciating their clear communication and support throughout the process. Some have noted occasional challenges when resolving issues involving third parties.
Rob Wiley, P.C.
Rob Wiley, P.C. focuses on representing employees facing workplace disability discrimination and other employment disputes in Texas. The team offers detailed consultations and legal guidance on issues like retaliation, wrongful termination, and hostile work environments. Clients note thorough preparation and clear explanations, though some mention concerns about consultation fees and… more...
Rob Wiley, P.C. focuses on representing employees facing workplace disability discrimination and other employment disputes in Texas. The team offers detailed consultations and legal guidance on issues like retaliation, wrongful termination, and hostile work environments. Clients note thorough preparation and clear explanations, though some mention concerns about consultation fees and communication.
Underwood Law Office
Underwood Law Office focuses on Social Security Disability claims, helping clients navigate application and appeal processes. The team assists with gathering documents, submitting applications, and fighting for financial and medical benefits. Clients appreciate their clear communication and thoroughness, though some have noted occasional staff rudeness.
David S. Kohm & Associates
Specializing in Social Security Disability and bankruptcy cases, David S. Kohm & Associates offers experienced legal support for those facing financial or health-related challenges. The team handles auto accidents and personal injury claims with attention to detail and patient communication. While punctuality may vary, clients appreciate the firm’s thoroughness and ongoing personal attention.
The Law Office of Ron B. Johnson
Specializing in Social Security Disability law, this office offers personal, face-to-face consultations where clients work directly with an attorney. Services include assistance with disability benefits and personal injury cases. Clients appreciate the straightforward communication and thorough guidance, though some find the direct approach a bit blunt.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Bailey & Galyen Attorneys at Law | 4.7 | 100 | $100 | (972) 449-1241 | Visit |
| 2 | The Zendeh Del Law Firm, PLLC | 4.7 | 93 | $800 | (214) 919-3600 | Visit |
| 3 | MAS Law | 4.3 | 100 | $500 | (972) 789-1664 | Visit |
| 4 | Rob Wiley, P.C. | 4.0 | 100 | $5,000 | (214) 528-6500 | Visit |
| 5 | Underwood Law Office | 4.6 | 80 | $100 | (972) 535-6377 | Visit |
| 6 | David S. Kohm & Associates | 4.3 | 26 | $1,000 | (972) 354-4605 | Visit |
| 7 | The Law Office of Ron B. Johnson | 4.7 | 21 | $50 | (972) 938-7163 | Visit |
How this Plano 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.
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. 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 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
9 questionsHow does the long-term disability settlement calculator work?
What is a long-term disability buyout?
Why are LTD settlements below full value?
What should I do if my LTD claim is denied in Texas?
Are LTD settlements taxable in Plano, TX?
What is the difference between own-occupation and any-occupation in LTD policies?
How accurate is the LTD settlement estimate?
What is the deadline for appealing an LTD denial in Texas?
How does back pay differ from future benefits in LTD claims?
General information, not legal advice — consult a licensed Texas attorney.