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If your claim has been denied, DON’T GIVE UP.

About 35% of employers provide their employees with Long-Term Disability Insurance. Long Term Disability Insurance (LTD) is private insurance to help support you if you become disabled. If you become unable to work, the LTD will help replace part of your income. Unfortunately, filing an LTD claim can be a difficult process.

Fight insurance companies for your rights

Those who review disability claims and make the determination of eligibility are usually employed by the insurance company and have an incentive to deny claims. Don’t be discouraged. Get a free case evaluation form someone who would be on your side. Call 512-454-4000

Long Term Disability Insurers use strict time limits, varying disability criteria, long wait times, and a mess of exceptions and arbitrary limitations to prevent disabled people from getting the support they need.

The people who review disability claims and make the determination of eligibility are usually employed by the insurance company and have a financial incentive to deny claims. LTD insurance companies are so invested in denying claims that they will hire investigators to follow claimants around with cameras in an attempt to catch the claimant engaging in work such as carrying groceries or raking leaves.


Unum is the largest provider of Long Term Disability insurance.

In 2001, they famously denied coverage to an eye doctor who had been diagnosed with Parkinson’s disease. This clip from 60 Minutes tells his story and alleges that UNUM regularly denies legitimate claims. In 2004, Linda Nee sued UNUM after being fired for bringing reports of denying claims to her supervisors. Linda Nee continues to speak out about UNUM’s deceptive practices, and UNUM continues to be the target of bad faith lawsuits.

Lawyers fighting big insurance companies

LTD insurance will hire investigators to follow claimants around in an attempt to catch the claimant engaging in work such as carrying groceries or raking leaves. We have 70 combined years of taking on big insurance companies and winning. Call 512-454-4000


If your claim has been denied, DON’T GIVE UP.

If you have been denied, the next step is to appeal your case. Get a professional to represent you, and get approved for the benefits you deserve. LTD insurance is a benefit you or your employer has paid for; it is not welfare or a hand-out. Insurance companies are experts at denying claims. Claims managers are rewarded for keeping claims at a zero growth level. That can’t be done without throwing away legitimate claims. Don’t go up against the insurance companies alone, get professional representation.


If you are ready to appeal, don’t go unprepared.

Gather your claim file and medical records. Agencies and individuals who can verify your disability are your allies. If you are collecting Social Security Disability Insurance, then the Social Security Administration has decided you are unable to work. An affidavit from your previous employer is also strong evidence that would support your case. Coherent, comprehensive evidence will go a long way towards winning your appeal.



Long Term Disability Lawyers

The attorneys at Bemis, Roach and Reed handle Long Term Disability insurance cases regularly. They know what makes a claim successful and how to fight powerful insurance companies.
Contact the attorneys at Bemis, Roach and Reed for a free consultation.
Call 512-454-4000 and get help NOW.

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5 star disability lawyers

"Words can not truly express the gratitude that I feel toward Mr. Lonnie Roach and his professional team. I give them an A+++. Very compassionate and prompt. Their priorities are first and foremost helping you succeed at your case. When you feel helpless, feeling like someone is on your side can mean the world to you. Thank you for working for the people."
-Amy K.


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