Instantly Calculate Your Long-Term Disability Lump-Sum Buyout—See If Your Offer Is Fair

If you’re receiving long-term disability (LTD) benefits from insurers like Unum, New York Life, Lincoln, Reliance Standard, Prudential, and The Hartford, you may have received a lump-sum buyout offer. Trading your monthly benefits for a one-time payment can seem appealing, but is it really in your best interest?

Find Out If Your Buyout Offer Is Fair—Use Our Free Calculator

Our free Long-Term Disability Lump Sum Buyout Calculator helps you estimate the present value of your policy—including cost of living adjustments (COLA), past due payments, interest owed, attorney fees, and costs—so you can make an informed decision before accepting any offer.

Simply enter your details (you can set any feature to zero if it doesn’t apply), and our calculator will instantly show you the true value of your future benefits. You’ll also get the option to download a detailed report of every monthly payment projection.

Long-Term Disability Lump Sum Buyout Calculator

Monthly Benefit

Number of Past Monthly Payments Due

Interest Rate on Past Benefits

Number of Future Monthly Payments Left

Discount Rate

COLA Rate

Month When COLA Starts

(e.g., enter 3 if your next COLA is in 3 months)

Number of Annual COLA Increases Left

(Leave “0” to add COLA each year)

Attorney’s Fees

Costs

Present Value of All Benefits, Fees, and Costs

Want a detailed report listing each monthly payment? It's one click away.

Should You Accept a Lump-Sum Buyout for Your Disability Claim?

There’s a lot at stake. Once you accept a lump sum, your policy is canceled—there’s no going back. Our calculator helps you weigh critical factors, including:

How many future payments remain
Projected annual COLA increases
Discount rates and life expectancy
Potential attorney fees and costs

Insurance companies often use present value calculations to craft buyout offers—typically 50% to 70% of your claim’s value. But every offer is negotiable, and having the right information gives you the power to push for more. A disability attorney may help you secure a higher amount.

What Else Should You Consider Before Accepting?

Beyond the numbers, ask yourself:

Are you eager to end negotiations?
Do you expect to return to work?
Are you comfortable investing a lump sum?
What are your personal financial goals?

Once you accept a buyout, it’s final. That’s why many Florida residents trust Ortiz Law Firm to review offers before they decide. In some cases, the insurer may even pay for a consultation with an attorney or tax professional—ask before signing anything.

If you’ve received a buyout offer and want clarity, contact Ortiz Law Firm for a case evaluation. Call (888) 321-8131 to speak directly with our team today.

Request A Free Case Evaluation

Tory Nelson and the Ortiz Law Firm are awesome! They truly were concerned and attentive to my case. I never felt like just a case file number, but a friend. Forget the rest. Go with the best, Ortiz Law Firm… They are the David for your Goliath!!!

Tiffany T.

This law firm is amazing. They take the time to listen to your story and make it their own. From there, they will fight for you to help you get what you deserve. An amazing law firm that cares about your dignity and well-being.

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Nick Ortiz and Tory Nelson are super awesome! They have both been helping me thru a very difficult time in my life. Tory Nelson was always the pleasant voice on the other end of the line when I felt hopeless. Very encouraging and very respectful! I would highly recommend them for all of your disability needs. They have stuck right there with me!

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