Free Long Term Disability Consultation
disabilityIt has become a common trend for long term disability insurance carriers to deny valid disability benefits claims either initially or after paying for a year or two, asserting that the person’s condition has improved or that the definition of disability has changed. While their actions would have previously been considered insurance bad faith practices, the insurance companies contend that state insurance bad faith law does not apply to their activities. They argue that they are an employee disability benefits plan immune from state law and are governed solely by federal law favorable to the insurance company. As a result, individuals who have experienced a disabling illness or personal injury often find that their future ability to provide for their families depends on navigating the complexities of federal law. The Employee Retirement Income Security Act of 1974, also known as ERISA, is the federal law which governs the majority of Long Term Disability (LTD) insurance policies in this country. For more information regarding ERISA, please click on our ERISA page or our page on ERISA Frequently Asked Questions. If the LTD plan is provided as an employee benefit or purchased as an employment related group plan, it is likely governed by ERISA.

Because of the complexity of ERISA, very few lawyers will accept these types of cases. Unfortunately, without experienced legal representation, few claimants will prevail when faced with the seemingly endless resources of the insurance companies. The good news is that the Texas lawyers at Bemis, Roach & Reed have years of experience handling ERISA cases and have amassed an impressive track record of winning these cases for our clients at both the Federal District Court level and in the Federal Court of Appeals. Members of the law firm have also written articles on the subject to guide other legal services professionals.
If you have been denied long term disability benefits, Bemis, Roach & Reed offers a free consultation to determine if we can assist you in obtaining or reinstating those benefits. When a claimant is denied, there is typically a 180-day period in which to submit an administrative appeal to the insurance company that denied the claim. If this is not done, it may be impossible to later challenge the denial in court. Once you receive a denial letter, it is important to contact a personal injury lawyer as soon as possible. Cases have been won and lost depending on the quality of the administrative appeal. In most cases, Bemis, Roach & Reed will complete the administrative appeal for you as part of our legal services.


Bemis, Roach & Reed is a personal injury law firm located in Austin, Texas. We provide legal services to individuals throughout the State of Texas, including San Antonio, Houston, Dallas, Fort Worth, Galveston and Corpus Christi. Bemis, Roach & Reed has been successfully representing long term disability clients from Houston and other cities outside the Austin area. We can easily fight for the claims of Houston residents by working their cases remotely, via phone, fax and e-mail. If you or someone you know is in need of a qualified disability benefits Texas attorney, call us toll free at (866) 433-4979.
Bemis, Roach & Reed has helped clients who are disabled from a wide variety of medical conditions. If you are unable to work due to any of the following conditions and have been denied disability benefits, contact us. We would like to help.

Disabling Medical Conditions:

  • Knee Disorder/Replacement
  • Leukemia
  • Liver Cancer
  • Liver Disease
  • Lumbar Disc Disease
  • Lumbar Radiculopathy
  • Lung Cancer
  • Lung Disease Lupus
  • Lyme Disease
  • Macular Edema/Degeneration
  • Memory Disorder
  • Menieres Disease
  • Meningitis
  • Migraine
  • Multiple Myeloma
  • Multiple Sclerosis
  • Myofascial Pain Syndrome
  • Neuropathy
  • Osteoarthritis
  • Pancreatitis
  • Paralysis
  • Parkinsons Disease
  • Post-Traumatic Stress Disorder
  • Prostate Cancer
  • Psoriasis
  • Psychosis
  • Reflex Sympathetic Dystrophy (“RSD”)
  • Rheumatoid Arthritis
  • Schizophrenia
  • Seizure Disorder
  • Skin Cancer
  • Spinal Stenosis
  • Sleep Apnea
  • Stroke
  • Temporal Mandibular Joint Dysfunction
  • Throat Cancer