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Review Keywords Analysis

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

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 Seattle

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

1

CHIHAK + CHIHAK

Verified

With two decades focused on Social Security disability cases, CHIHAK + CHIHAK helps clients navigate complex benefit claims and hearings. The team handles SSI and SSDI applications, often securing favorable decisions even after prior denials. While some clients note occasional communication challenges, many appreciate their professionalism and supportive guidance throughout the process.

Services & Prices
SSI Filing Assistance $500 - $1500
Disability Appeal Representation $1000 - $3000
Disability Hearing Preparation $800 - $2000
Medicare Enrollment Assistance $0 - $100
View Profile
(206) 838-3320
Closed Now
506 2nd Ave #1400, Seattle, WA 98104, USA
General Services
Disability Representation
2

Gustad Law Personal Injury Lawyers Seattle

Gustad Law Personal Injury Lawyers specializes in Social Security Disability claims, helping clients apply for or appeal SSDI and SSI benefits. Their team is known for clear communication and thorough support throughout the often complex process, though some clients note the attorney’s style can be direct and less flexible.

Services & Prices
SSDI Application Assistance $1500 - $3000
SSDI Appeal Representation $2000 - $5000
SSDI Hearing Representation $1500 - $3500
Initial Application Support $1000 - $2500
View Profile
(206) 533-2222
Closed Now
7815 Greenwood Ave N, Seattle, WA 98103, USA
General Services
Social Security Disability Representation
3

Benefits Law Center (formerly SCLC)

Benefits Law Center provides free legal advice and advocacy for individuals with mental and physical disabilities facing Social Security disability challenges. The team assists with applications and appeals for SSI and SSDI benefits, often supporting homeless and low-income clients. While many find the staff helpful and respectful, some note limited availability for urgent court dates.

Services & Prices
SSI Application Assistance $0 - $0
SSDI Application Assistance $0 - $0
Court Representation for SSDI/SSI $0 - $0
Assistance for Homeless Individuals $0 - $0
View Profile
(206) 686-7252
Closed Now
401 2nd Ave S Ste 240,Seattle, WA 98104
General Services
Social Security Disability Services
4

Douglas Drachler McKee & Gilbrough, LLP

Specializing in Social Security Disability claims, Douglas Drachler McKee & Gilbrough, LLP handles cases at both administrative and appellate levels in Washington. The team assists with initial applications and appeals, often praised for clear communication and thorough support, though some clients note the process can feel overwhelming at times.

Services & Prices
Initial Claim Assistance $500 - $1000
Appeals Representation $1000 - $2000
Hearing Preparation and Attendance $800 - $1500
Written Appeal Submission $500 - $1000
View Profile
(206) 623-0900
Closed Now
Financial Center,1215 4th Ave #1350,Seattle, WA 98161
General Services
Social Security Disability Services
5

David Oliver Social Security

David Oliver Social Security focuses exclusively on helping clients navigate disability claims, working on a contingency basis so payment is only due upon winning a case. The team handles everything from paperwork to hearings and is known for being approachable and communicative throughout the often lengthy process. Some clients note occasional delays in follow-up after case resolution.

Services & Prices
Social Security Disability Application $1000 - $3000
Hearing Representation $2000 - $4000
Appeals Process Assistance $500 - $1500
Gathering Medical Evidence $300 - $800
View Profile
(206) 971-5385
Closed Now
1001 4th Ave #3200, Seattle, WA 98101, USA
General Services
Disability Representation
Where they are 8 on the map Click a pin for the profile and directions
6

Sampson Dunlap LLP

Sampson Dunlap LLP focuses on guiding clients through the complex SSI and SSDI disability claims process with attentive, compassionate support. The team handles claims with care and persistence, often staying closely involved throughout lengthy proceedings. Some clients note occasional communication delays, but many appreciate the firm’s understanding approach and thorough assistance.

Services & Prices
Social Security Disability Claims $1000 - $3000
SSI Claims $800 - $2500
Appeals for Denied Claims $1200 - $3500
Will Preparation $200 - $500
View Profile
(206) 414-8340
Closed Now
600 Stewart St Suite 300, Seattle, WA 98101, USA
General Services
Disability Law Services
7

Roy Law Group

Roy Law Group focuses exclusively on long-term disability and ERISA claims, helping clients navigate complex insurance denials. The team handles everything from initial claims to appeals, often providing clear guidance even before formal representation begins. Clients appreciate their responsiveness and support throughout lengthy, challenging cases.

Services & Prices
Disability Claim Filing $500 - $1000
Disability Claim Appeals $1000 - $1500
Insurance Denial Appeal $1000 - $2000
Negotiation with Insurance Companies $500 - $1500
View Profile
(206) 225-2700
Closed Now
101 Yesler Wy #600,Seattle, WA 98104
General Services
Disability Claims Services
8

Friedman Disability

With over three decades of experience, Friedman Disability specializes in Social Security, Railroad Retirement, and veteran disability claims. The team is known for thorough and compassionate representation, helping clients secure significant benefits. Some clients note occasional delays in communication but appreciate the firm’s dedication to their cases.

View Profile
(425) 252-5551
Closed Now
800 5th Ave, Seattle, WA 98104, USA

Latest reviews of Seattle Disability Lawyers

Written on TrustAnalytica by clients of the businesses in this list
  • Jonathan

    Lucinda Dunlap Is an amazing and wonderful person! I have been trying to get social security for YEARS! I had all but given up hope. Everyone except Social security knew I was and had been. I floundered from Job to Job for over 7 years. I tried again after getting denied so many years before. I had…

Seattle Disability Lawyers stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 CHIHAK + CHIHAK 4.5 51 $100 (206) 838-3320 Visit
2 Gustad Law Personal Injury Lawyers Seattle 4.6 100 $150 (206) 533-2222 Visit
3 Benefits Law Center (formerly SCLC) 4.4 23 — (206) 686-7252 Visit
4 Douglas Drachler McKee & Gilbrough, LLP 4.5 16 $500 (206) 623-0900 Visit
5 David Oliver Social Security 4.1 17 $200 (206) 971-5385 Visit
6 Sampson Dunlap LLP 4.7 12 $150 (206) 414-8340 Visit
7 Roy Law Group 5.0 11 $500 (206) 225-2700 Visit
8 Friedman Disability 3.8 5 — (425) 252-5551 Visit

How this Seattle 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.

Washington 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 Washington 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?
The calculator estimates back pay, future benefits to age 65, and a typical lump-sum settlement range using your claim status, policy type, and other factors.
What is a long-term disability buyout?
A buyout is a lump-sum offer to settle your LTD claim, typically 30-75% of future benefits' present value, plus any back pay owed.
Why are LTD settlements below full value?
Settlements are discounted to account for the uncertainty of future payments and the insurer's risk assessment.
What should I do if my LTD claim is denied in Washington?
Under ERISA, file an internal appeal within 180 days. Non-ERISA claims can usually proceed to state court.
Are LTD settlements taxable in Seattle?
If premiums were paid with pre-tax dollars or by your employer, settlements are taxable. Otherwise, they are generally not. Consult a tax advisor.
What is the difference between 'own occupation' and 'any occupation'?
LTD policies often switch from covering your ability to perform your own job to any job after 24 months.
How accurate is the LTD settlement calculator?
The calculator provides estimates based on typical ranges and your inputs. It cannot guarantee specific outcomes.
What is back pay in a long-term disability claim?
Back pay refers to unpaid benefits from the time your claim was denied or cut off until it is resolved.

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