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Diseases that Qualify for Long-Term Disability Benefits

Appealing for benefits is best done under the guidance of an experienced disability lawyer.

If you have been forced to stop working due to a disabling disease, you should investigate whether you are covered for disability benefits under a Long Term Disability (LTD) policy.

Author: Attorney Lonnie Roach


Disability lawyers help those in Austin

Virtually any disease or condition can qualify as a disabling condition for the purpose of receiving LTD benefits. If you have a question as to whether your condition qualifies under your particular policy, feel free to contact us. We’re happy to answer your questions. 512-454-4000

Many employers provide Long Term disability coverage as an employee benefit, regulated by ERISA.

Unlike disability under the Social Security Administration’s rules, disability benefits under a LTD policy are governed by the specific terms of the policy. It is not always necessary to be completely unable to work to qualify for benefits. Often, you can qualify under an LTD policy if you are unable to work fulltime or unable to earn the same amount as before you developed your disabling condition. How can you be sure if your disabling disease will allow you to successfully recover LTD benefits? Each case is different, and it is important to have a Texas Long Term Disability lawyer on your side.


At the Law Offices of Bemis, Roach & Reed, we know how important LTD benefits can be when you are unable to work.

Our attorneys can examine the specific facts of your claim and can advise you about how to move forward. It has been said that insurance is the one product we buy, but never hope to need. We buy disability insurance to protect one of our most valuable assets—our ability to work and earn a living. For those of us covered by a Long Term Disability insurance policy, it is comforting to know that should we become injured or develop a disabling disease that prevents us from working, our income will be protected. We trust the insurance company to handle our claim fairly. It is devastating when that trust is betrayed by a wrongful denial of benefits. Should this happen, it is essential to have quality legal representation. Do not hesitate to contact the Law Offices of Bemis, Roach & Reed. We can help.


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Lonnie Roach – Long Term Disability ERISA Attorney – protecting the disabled throughout Texas.

What is a Disabling Disease for LTD Purposes?

Virtually any disease or condition can qualify as a disabling condition for the purpose of receiving LTD benefits. Some conditions, however have limited protection depending on the specific terms of the policy. If you have a question as to whether your condition qualifies under your particular policy, feel free to contact us. We’re happy to answer your questions.


Texas Disability Lawyers Achieve Successful Results

If you have been denied LTD benefits, contact us today. One of our attorneys will be here to help. At the Law Offices of Bemis, Roach & Reed, we can examine the specific elements of your physical or mental illness, and we can advise you on how to proceed with your LTD claim or appeal. Do not hesitate to get in touch with us today.

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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top disability attorney

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Attorney Lonnie RoachAuthor: Attorney Lonnie Roach has been practicing law for over 29 years. He is Superlawyers rated by Thomson Reuters and is Top AV Preeminent® and Client Champion rated by Martindale Hubbell. Through his extensive litigation Mr. Roach obtained board certifications from the Texas Board of Legal Specialization. Lonnie is admitted to practice in the United States District Court - all Texas Districts and the U.S. Court of Appeals, Fifth Circuit. Highly experienced in Long Term Disability denials and appeals governed by the “ERISA” Mr. Roach is a member of the Texas Trial Lawyers Association, Austin Bar Association, and is a past the director of the Capital Area Trial Lawyers Association (Director 1999-2005) Mr. Roach and all the members of Bemis, Roach & Reed have been active participants in the Travis County Lawyer referral service.


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.

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At Bemis, Roach and Reed, if we can't help you, we will try to find the right attorneys for you.

We offer each of our prospective clients a free no obligation one hour phone or office consultation to see if we can help you and if you are comfortable with us. We know how difficult a time like this can be and how hard the decisions are. If we can be of assistance to you and help you find a solution to your issue we will even if that means referring you to another attorney.

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