When you qualify, your LTD policy requires your insurance company to pay you a regular amount, usually monthly, while you qualify. There is no obligation on your insurance company to pay out your benefits in the form of a lump sum payment. However, your insurance company may agree to do this when settling your case. Santucci Personal Injury Law often are able to negotiate a lump sum cash settlement for all past and future LTD payments. A lump sum represents the future value of your LTD benefits, expressed as a dollar amount today. Many people prefer to receive a lump sum payment, which gives them more control over their money, and stops them from having to deal with the insurance company regarding entitlement on an ongoing basis. (53)