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Life Insurance Claims and Disabilities


Denied life insurance disability

Every life insurance company evaluates its applicants using different criteria. If you were denied life insurance due to your disability, you need to hire an experienced attorney to fight that decision.

Life insurance has always provided a level of comfort to those concerned about their families.

Many obtain life insurance policies to provide peace of mind to their loved ones, so they do not have to worry about final expenses. Life insurance is designed to help our families after we pass, and make the burden a little easier to bear. Unfortunately, some life insurance companies may deny you due to your disability. If you have been denied life insurance and are disabled, contact the Law Office of Bemis, Roach & Reed today.


What is Considered a Disability?

The Social Security Administration (SSA) is responsible for determining who is considered disabled for the purposes of receiving disability benefits (Social Security Disability benefits). Generally, the Social Security Administration considers you disabled if your medical or mental condition prevents you from working, or is expected to prevent you from working for at least 12 months or will result in your death. To receive these SSD benefits, you must apply with the SSA. There are many factors that are taken into account with your application. Your condition may be on the SSA’s list of impairments that are considered severe enough to prevent any sufferer from working in a substantial way. In that case, you will qualify to receive SSD benefits if your symptoms and complications meet the criteria for the specific listing. If your condition is not included on this impairment list, you can still qualify to receive disability benefits by showing your condition prevents you from working based on your age, education, work skills, and background.


Denied insurance attorney

The lawyers at Bemis, Roach & Reed understand that life insurance is important to your and your family, and we can help you fight a life insurance denial.

Denied Life Insurance Due to Disability

Every life insurance company evaluates its applicants using different criteria. Each company will closely examine your health and disability to determine whether they will grant you a policy. It is up to the insurance company to make that determination. Your disability may be expected to last 12 months, or it may be a long term disability. Insurance companies take these time projections into account. Additionally, companies will consider whether you are getting treatment for your disability, and whether your disability will get better, get worse, or stay the same. State laws apply to the life insurance company, and you may be entitled to know why your policy application was denied. If you were denied life insurance due to your disability, you need to hire an experienced attorney to fight that decision.


Call Texas Disability Lawyers Now!

The lawyers at Bemis, Roach & Reed understand that life insurance is important to your and your family, and we can help you fight a life insurance denial. If you or a loved one has been denied life insurance due to a disability, contact the Law Office of Bemis, Roach & Reed today. Do not hesitate to take the first step in protecting your family. Our dedicated lawyers will advocate for you, and will fight the insurance companies to get you the policy you need. Serving clients in Central Texas, Travis County, Williamson County, Austin, San Antonio, Houston, and Dallas/Fort Worth, our experienced disability lawyers have successfully represented numerous Texans just like you. Contact us today at (512) 454-4000 to schedule a free initial consultation.


Long Term Disability Attorneys

Unfortunately, about a quarter of people will become disabled during their working years. If an injury or illness is preventing you from working, you may be eligible to collect disability benefits. If you are thinking of filing for social security or long term disability we can help. If you have filed for benefits and been denied disability we can assist in your appeal. Don’t give up. Contact the experienced long term disability attorneys at Bemis, Roach and Reed today 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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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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