Disability

Money

Best-case total
$408,030

All 3 claims approved · 24-month LTD horizon · SSDI back-pay + 12 months ongoing

Per-claim

  • SSDI
    Back-pay: $170,550 (45 mo × $3,790)
    Ongoing: $3,790/mo
  • Ameritas
    Monthly: TBD (3 policies · schedule pending)
    Estimate $4,500/mo as placeholder until canonical figures land
  • Unum
    Monthly: TBD (group LTD · main appeal pending)
    Estimate $3,500/mo as placeholder

Scenarios

Best
$408,030
All approved
Realistic
$245,550
SSDI + 1.5 LTD wins
Worst
$170,550
SSDI only
Today
$170,550
Already accrued

Notes

  • • Attorney fees: SSDI capped 25% of back-pay or $7,200 (whichever is less). LTD via DeBofsky on contingency arrangement (Tony 3/30 agreement).
  • • Tax treatment: SSDI back-pay is partially taxable. LTD payments depend on whether premiums were paid pre-tax or after-tax.
  • • Ameritas + Unum monthly figures are placeholder estimates until policy schedules are added to canonical claim files.