Long Term Disability Settlement Calculator

Long-Term Disability Payout & Settlement Calculator Beta

Estimate the present value of future payments and a potential settlement. Educational only—this isn’t legal or financial advice.

Inputs

Currency Symbol

e.g., $, £, €, C$

Date of Birth

Used to calculate months to retirement

Current Date

Defaults to today

Monthly Payment Amount

Allowed range: 0 to 20000

Months of Past Payments Owing

Allowed range: 0 to 120 months

Present Value Discount Rate (annual %)

Allowed range: 0% to 10%

Settlement Discount (%)

Allowed range: 0% to 90%

Retirement Age

Allowed range: 50 to 75

Tax on Benefits (%)

Allowed range: 0% to 60%

PV uses annuity-immediate with monthly compounding from the annual rate.

Results

Months to Age 65

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Past Payments Owed

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Present Value of Future Payments

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Total: Past + PV of Future

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Settlement Discount

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Estimated Settlement Value

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Tip: Compare conservative vs optimistic scenarios by changing the discount rates.

Important Notes

This tool is an estimate only; actual entitlements depend on policy wording, offsets/COLA, eligibility, mitigation, and negotiations.
Consider getting advice from a lawyer or financial professional.
No data is stored—calculations run in your browser.