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Review Keywords Analysis

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

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

1

Carabin & Shaw

Carabin & Shaw focuses exclusively on personal injury cases involving auto, trucking, and worksite accidents, with more than 28 years of experience. The team offers free consultations and works closely with medical experts to support clients’ recovery. While many appreciate the friendly staff and clear communication, some have noted inconsistencies in attorney responsiveness.

Services & Prices
Motor Vehicle Accident Representation $5000 - $15000
Slip and Fall Claims $3000 - $10000
Worker's Compensation Claims $2000 - $8000
View Profile
(210) 796-1083
Open 00:00 - 23:59
875 E Ashby Pl #1100,San Antonio, TX 78212
General Services
Personal Injury Legal Services
2

Packard Law Firm

Packard Law Firm focuses on helping clients navigate Social Security disability claims and workers' compensation cases, especially those involving workplace injuries. Their team guides clients through filing and appeals, providing clear communication and personal attention throughout the process. Some clients note the firm can be busy, but most appreciate the supportive and thorough approach.

Services & Prices
Workplace Injury Claims No Win, No Fee
Workers' Comp Benefit Claims No Win, No Fee
Denied Claim Appeals No Win, No Fee
Disability Claims $0 - $1000
View Profile
(210) 972-8918
Closed Now
1100 Northwest Loop 410 Suite 104, San Antonio, TX 78213, USA
General Services
Workers' Compensation Claims
3

Jim Adler & Associates - San Antonio

Jim Adler & Associates focuses on personal injury cases, helping Texans secure financial compensation for various accidents. Their team manages everything from medical bills to negotiations, keeping clients informed throughout the process. While some cases can be complex, clients appreciate the consistent communication and support provided.

Services & Prices
Car Accident Claims $10000 - $30000
Medical Bill Negotiation $500 - $2000
Closure Coordination $1000 - $5000
Settlement Negotiation $1000 - $5000
View Profile
(866) 219-4395
Open 00:00 - 23:59
7330 San Pedro Ave Suite 700, San Antonio, TX 78216, USA
General Services
Personal Injury Law
4

Heard & Smith LLP

Heard & Smith LLP focuses on Social Security Disability claims, helping clients navigate complex paperwork and appeals. The team handles cases with varying results—some clients appreciate their thoroughness and timely communication, while others find follow-up and responsiveness inconsistent. They assist with everything from initial applications to hearings.

Services & Prices
Initial Application Assistance $1000 - $2000
Appeals Assistance $1500 - $2500
Hearing Representation $2000 - $3000
Pro Bono Services $0 - $0
View Profile
(210) 820-3737
Closed Now
10715 Gulfdale St #100, San Antonio, TX 78216, USA
General Services
Social Security Disability (SSDI) Claims
5

Law Offices of Ed Goldner, P.C.

The Law Offices of Ed Goldner, P.C. focus on disability claims and related financial compensation cases. Their team handles Social Security hearings and appeals, with some clients noting successful benefit awards after initial denials. Communication can be inconsistent, and a few clients have experienced difficulties reaching their attorney during critical moments.

Services & Prices
Disability Application Assistance $100 - $200
Appeal Filing for Denied Claims $150 - $300
Representation at Hearings $250 - $500
Filing Legal Documents $75 - $150
View Profile
(210) 791-0817
Closed Now
1616 San Pedro Ave, San Antonio, TX 78212, USA
General Services
Social Security Disability Services
Where they are 10 on the map Click a pin for the profile and directions
6

Marc Whitehead & Associates, Attorneys at Law LLP

Specializing in disability claims, this firm assists clients navigating denials from insurance companies, the Social Security Administration, and the Veterans Administration. The team handles appeals and paperwork with responsiveness and clear communication, though some clients note occasional delays in follow-up from intake staff. Many appreciate the patient and thorough support throughout the… more...

Specializing in disability claims, this firm assists clients navigating denials from insurance companies, the Social Security Administration, and the Veterans Administration. The team handles appeals and paperwork with responsiveness and clear communication, though some clients note occasional delays in follow-up from intake staff. Many appreciate the patient and thorough support throughout the process.

Services & Prices
SSI Claims $10 - $20
SSDI Claims $10 - $20
Claim Appeals $15 - $25
VA Claim Assistance $10 - $20
View Profile
(210) 942-7400
Closed Now
8131 W Hausman Rd Ste 208,San Antonio, TX 78249
General Services
Disability Claims Assistance
7

Wogwu Law, PLLC

Specializing in Social Security Disability cases, Wogwu Law, PLLC helps clients understand and navigate the complex benefits process. The team provides clear guidance on hearings and what to expect, which many clients find reassuring and thorough. Some note the process can still feel slow, but appreciate the attentive support throughout.

Services & Prices
Preparation for Disability Hearing $150 - $300
Representation during Disability Hearing $500 - $800
Filing Social Security Claims $100 - $250
Review of Social Security Case $150 - $300
View Profile
(210) 361-3620
Closed Now
5309 Wurzbach Rd Tower 100, Suite 200-3,San Antonio, TX 78238
General Services
Disability Legal Services
8

Khattar Law, PC - Personal Injury Lawyers

Khattar Law, PC focuses on helping clients recover financial compensation after serious accidents or disabilities, including dog bite injuries. Their team assists with filing claims and negotiating with insurance companies, often guiding clients through complex disability applications. While some find their communication challenging, others appreciate the supportive and informative approach… more...

Khattar Law, PC focuses on helping clients recover financial compensation after serious accidents or disabilities, including dog bite injuries. Their team assists with filing claims and negotiating with insurance companies, often guiding clients through complex disability applications. While some find their communication challenging, others appreciate the supportive and informative approach throughout the process.

Services & Prices
Dog Bite Claims No Win, No Fee
Animal Attack Injuries No Win, No Fee
Owner Liability Claims No Win, No Fee
Social Security Disability Claims $300 - $500
View Profile
(210) 923-1234
Closed Now
1616 San Pedro Ave, San Antonio, TX 78212, USA
General Services
Dog Bite Injury Claims
9

Karen Seal Law Office

Specializing in disability and special needs cases, Karen Seal Law Office offers knowledgeable support through complex legal situations involving schools and disability claims. The team is recognized for their understanding of the school system and disability law, with clients appreciating their guidance during challenging disputes. Some find the process demanding but feel well-informed… more...

Specializing in disability and special needs cases, Karen Seal Law Office offers knowledgeable support through complex legal situations involving schools and disability claims. The team is recognized for their understanding of the school system and disability law, with clients appreciating their guidance during challenging disputes. Some find the process demanding but feel well-informed throughout.

View Profile
(210) 226-8101
Closed Now
202 E Park Ave, San Antonio, TX 78212, USA
10

Law Offices of Scalise-Qubrosi

With over 26 years of experience, the Law Offices of Scalise-Qubrosi focuses on helping clients with mental or physical disabilities navigate Social Security Disability claims. The team works diligently to gather medical evidence and provide straightforward guidance, though some clients note the firm’s direct approach may feel firm.

View Profile
(210) 737-7529
Closed Now
105 Furr Dr, San Antonio, TX 78201, USA
San Antonio Disability Lawyers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Carabin & Shaw 4.8 490 $2,000 (210) 796-1083 Visit
2 Packard Law Firm 4.7 100 $1,000 (210) 972-8918 Visit
3 Jim Adler & Associates - San Antonio 4.7 100 $300 (866) 219-4395 Visit
4 Heard & Smith LLP 3.9 100 $1,000 (210) 820-3737 Visit
5 Law Offices of Ed Goldner, P.C. 3.7 97 $50 (210) 791-0817 Visit
6 Marc Whitehead & Associates, Attorneys at Law LLP 4.9 43 $10 (210) 942-7400 Visit
7 Wogwu Law, PLLC 5.0 23 $100 (210) 361-3620 Visit
8 Khattar Law, PC - Personal Injury Lawyers 4.1 17 $100 (210) 923-1234 Visit
9 Karen Seal Law Office 5.0 9 — (210) 226-8101 Visit
10 Law Offices of Scalise-Qubrosi 4.0 7 — (210) 737-7529 Visit

How this San Antonio 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

9 questions
How does the long-term disability settlement calculator work?
It estimates back pay, future benefits to age 65, their present value, and a typical lump-sum settlement range based on your claim status, policy type, and more.
What is a long-term disability buyout?
A buyout is a lump-sum settlement of your future disability benefits. It typically ranges from 30-75% of the present value, depending on your claim's status.
Why are LTD settlements below full value?
Settlements are lower due to the risk of future changes, legal costs, and negotiations. They reflect a compromise between immediate cash and potential future benefits.
What if my long-term disability claim is denied in Texas?
Under ERISA, you must file an internal appeal within 180 days. If your plan isn't under ERISA, Texas law applies, and you may sue in state court.
How does an SSDI offset affect my LTD benefits?
Most policies reduce LTD benefits by any SSDI received. This offset affects the total monthly benefit you receive from your LTD policy.
Is a lump-sum LTD settlement taxable in San Antonio?
If premiums were employer-paid or pre-tax, settlements are taxable. If paid with after-tax dollars, they generally aren't. Consult a tax advisor.
What is the 'own occupation' vs 'any occupation' test?
Most LTD policies switch from 'own occupation' to 'any occupation' after 24 months, affecting eligibility based on your ability to work in any job.
How accurate is the LTD settlement calculator for San Antonio?
The calculator provides estimates based on typical ranges and verified data, but individual circumstances can vary. It's a guide, not a guarantee.
What benefits can I claim if my LTD benefits were cut off?
You may be entitled to back pay and future benefits. The calculator estimates these based on your policy and unpaid months.

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