Long-Term Disability Settlement Calculator Norfolk, VA
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
The 2026 average is about $1,630 a month.
Enter your monthly benefit, or your salary.
Count from when benefits stopped (or should have started) until today.
Enter your age (18–64).
Marks & Harrison - Personal Injury Attorney - Richmond
4.7 · 339 reviews · Disability claims
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Montagna Klein Camden, L.L.P.
4.6 · 64 reviews · Disability claims
Free claim review →
Hunter & Everage
4.9 · 60 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 Norfolk
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Marks & Harrison - Personal Injury Attorney - Richmond
Marks & Harrison has been representing personal injury victims in Virginia since 1911, focusing on cases like car accidents, brain injuries, and slips and falls. Their team is known for clear communication and compassionate support throughout often lengthy legal processes. Clients appreciate their responsiveness and thorough updates, helping ease stressful situations.
Montagna Klein Camden, L.L.P.
Montagna Klein Camden specializes in Social Security Disability and personal injury law, handling cases from auto accidents to maritime claims. Their team works on a contingent fee basis and is known for clear guidance and strong advocacy, though some clients note occasional communication challenges during busy periods.
Hunter & Everage
Hunter & Everage focuses on helping clients secure Social Security Disability benefits, especially when initial applications have been denied. Their team manages claims and appeals, keeping clients informed throughout the process. Many appreciate their clear communication and accessibility, though cases can take several months to resolve.
Morring Law Firm, PLLC
Morring Law Firm, PLLC focuses on workers' compensation and disability claims, guiding clients through appeals and benefit processes. The team is known for their knowledgeable, compassionate approach and steady support, though reaching a live person can sometimes be challenging. Clients appreciate the firm’s patience and thoroughness in handling complex cases.
Alperin Law PLLC
Alperin Law PLLC focuses on Social Security Disability claims with a compassionate approach, helping clients navigate initial applications and appeals. The team also offers estate planning and elder law services, maintaining ongoing relationships to adjust plans over time. Clients appreciate their clear communication and personal attention throughout the process.
Bowman Disability Law
With over 25 years of experience representing disabled claimants in Virginia and North Carolina, Bowman Disability Law assists clients through all stages of SSI and SSDI applications. The team is known for their thorough knowledge of judges and procedures, helping clients organize medical details and prepare for hearings. Some clients note the process can be lengthy, but appreciate the firm’s… more...
With over 25 years of experience representing disabled claimants in Virginia and North Carolina, Bowman Disability Law assists clients through all stages of SSI and SSDI applications. The team is known for their thorough knowledge of judges and procedures, helping clients organize medical details and prepare for hearings. Some clients note the process can be lengthy, but appreciate the firm’s patience and support.
Wilson Law, PLC
Wilson Law, PLC was founded by Donna L. Wilson. Donna worked as a Special Education Consultant and teacher before becoming a lawyer. Due to her lifelong fascination with law and her experience working with families with special needs, Donna became a specialist in estate planning. She is able to effectively communicate with clients, making it easy for them to understand the intricacies and… more...
Wilson Law, PLC was founded by Donna L. Wilson. Donna worked as a Special Education Consultant and teacher before becoming a lawyer. Due to her lifelong fascination with law and her experience working with families with special needs, Donna became a specialist in estate planning. She is able to effectively communicate with clients, making it easy for them to understand the intricacies and allowing them to take advantage of the many resources that are available in order to design their estate plans. A person who is disabled often becomes unable to take financial and personal decisions. If a disabled individual is unable to make such decisions, someone should have legal power. The person responsible for making decisions on behalf of the disabled person should have advanced written access to the individual's wishes, especially regarding medical care. A person can become disabled without any legal appointment. The family of the person must petition the court to appoint a guardian. This person may not have knowledge of the wishes or directives of the person. It can be difficult and emotionally draining to have to apply for guardianship after the death of a family member. However, it is possible to ease the burden by working with trusted attorneys in advance planning.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Marks & Harrison - Personal Injury Attorney - Richmond | 4.7 | 339 | $200 | (804) 286-2770 | Visit |
| 2 | Montagna Klein Camden, L.L.P. | 4.6 | 64 | $200 | (757) 622-8100 | Visit |
| 3 | Hunter & Everage | 4.8 | 60 | $300 | (804) 780-1235 | Visit |
| 4 | Morring Law Firm, PLLC | 4.7 | 32 | $300 | (757) 223-1107 | Visit |
| 5 | Alperin Law PLLC | 5.0 | 14 | $100 | (757) 698-3046 | Visit |
| 6 | Bowman Disability Law | 5.0 | 13 | $100 | — | Visit |
| 7 | Wilson Law, PLC | 4.2 | 4 | — | — | Visit |
How this Norfolk 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.
Virginia 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 Virginia 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 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 Virginia?
Are LTD settlements taxable in Norfolk?
What is the difference between own-occupation and any-occupation in LTD policies?
How accurate is the LTD settlement calculator?
What's the deadline for appealing a denied LTD claim in Norfolk?
General information, not legal advice — consult a licensed Virginia attorney.