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Disability denial law firm

Austin Long Term Disability Lawyers dedicated to helping you obtain Long-Term Disability.

75 years combined experience helping the disabled

We have the knowledge and proven track record to help you win your LTD claim.


FREE Long Term Disability Consultation

It 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.

If you have been denied long term disability you may still qualify for benefits. Contact an experienced long term disability lawyer at 512-454-4000 for help with your disability appeal.

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 their 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 an experienced disability 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.

We have successfully handled cases against: Aetna, Cigna, Unum, Hartford, Metlife, Prudential, Standard, Connecticut General Life, Life Insurance Co. of N.A. , Lincoln Financial, Northwestern Mutual, Reliance, Assurant, CNA, Fortis, Liberty Mutual, Paul Revere, and many others, including the U.S. Government.

Greg Reed Super Lawyer 5 years

Bemis, Roach & Reed is a Long Term Disability law firm located in Austin, Texas who fights for maximum LTD benefits for folks just like you.

We represent clientsthroughout the State of Texasand have won claims against all major LTD carriers and the government. We off FREE Consultations and know what your rights really are. Bemis, Roach & Reed has helped clients who are disabled from a wide variety of medical conditions and will fight for you and your family.

Don’t give up, believe in your claim.
Call 512-454-4000 and get help today.

Don’t delay your FREE consultation, there may be crucial deadlines expiring.

Greg Reed Disability Lawyer

Compassionately helping the disabled throughout Texas

Austin law firm Bemis, Roach & Reed provides legal services to individuals throughout the State of Texas. If you or someone you know is in need of insurance attorneys who specialize in Social Security disability and long term disability, call us toll free at (866) 433-4979.


       “After working the same job for 28 years and always carrying LTD insurance. I became unable to work. Tried to deal with the insurance company on my own, but got absolutely nowhere. Found Mr Roach on the internet and after consulting him, I hired him. Not only is he and his wonderful staff completely professional. They also go the extra mile with compassion and truly caring about their clients. I highly recommend Mr Roach.”
      – Chriss

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.

Top SS disability lawyer
top disability attorney

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Cirrhosis and Qualifying for Disability Benefits

Cirrhosis and Qualifying for Disability Benefits

The SSA recognizes Cirrhosis in its Blue Book under Section 5.05 Chronic Liver Disease. To qualify for Social Security Disability benefits a person must meet the requirements of the listing or prove that they are unable to work.

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.

ltd assistance denied

best disability lawyer

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Your Free Initial Consultation

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.

Or simply call 512-454-4000
to schedule your
Free Consultation

Let's get you Started:

If you could provide us with some basic information about your claim we will get right back with you with a free case evaluation and schedule your Free Consultation Today.

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Call now for a FREE initial consultation
(512) 454-4000