Roy Law is the Pacific Northwest’s leading long-term disability insurance law firm. We represent individuals throughout Oregon, Washington, and Idaho who are applying for or have been denied long-term disability insurance benefits. Whether you are initiating a claim or appealing a denial, Roy Law can help.
Roy Law’s attorneys provide free long-term disability claim and appeal evaluations. To start, we usually request a copy of your long-term disability insurance policy and, if applicable, denial letter. After reviewing the relevant information we provide you counsel on the best way to proceed. There is no charge for these services.
When hired, Roy Law’s long-term disability insurance attorneys usually work on a contingency basis, meaning we get paid only if we win. Sometimes our lawyers handle long-term disability insurance appeals for an hourly fee, but that is rare and considered on a case-by-case basis.
When preparing long-term disability insurance appeals, Roy Law’s disability insurance lawyers use their intimate knowledge of the law to craft the most persuasive case possible. State contract and tort laws govern disputes arising from individually-purchased private disability insurance policies. For group policies provided through an employee benefit plan the Employee Retirement Income Security Act (“ERISA”) applies.
Regardless of which laws govern your dispute, all disability insurance appeals involve an in-depth understanding of the law, your insurance policy, claim file, and the reasons for denial as stated in your denial letter. A winning appeal also requires close coordination with your key medical providers and health care professionals. Crafting a persuasive disability insurance appeal requires a significant amount of time, energy, resources, and know-how.
Roy Law’s long-term disability insurance appeal attorneys have dedicated their practice to fighting disability insurance companies on your behalf. Please give us a call, and we will provide you the best service possible.
Chris Roy fought for me when my private disability company, Unum, suddenly cancelled my disability payments.
In the course of his research to restore my benefits, he discovered that Unum's action was anything but sudden. They had been carefully laying out a plan to cancel my benefits for months before I knew anything about it. Chris Roy carefully pieced together the complicated puzzle pieces of what the insurance company had set out to do: kick me off their policy.
I am permanently disabled, but the insurance company thought otherwise. And they set out to prove it with doctors and consultants that never examined me. The result was a proliferation of false and misleading opinions that the insurance company used to justify the cancellation of my monthly benefit payments.
As soon as I spoke to Chris Roy on the phone for the first time concerning this, I knew that he would be able to help me. He understood the issues and was very familiar with Long Term Disability Insurance company tactics.
Soon after that phone call, we then began the process of assembling an appeal to the insurance company. I had seen several doctors over the course of my disability period, and significant amounts of medical records had to be gathered. This took months, as there were so many. But Chris and his staff worked tirelessly to make sure no relevant details were left out of over 10 years of medical treatment I had received while disabled. Every x-ray, MRI, EMG nerve test, and doctor visit was gathered in pain staking detail.
The appeal was filed in a timely manner. When the insurance company dragged their feet on a response, Chris Roy continued to press for a ruling. We were ready to take legal action if my benefits were not restored.
Shortly thereafter, Unum reversed their decision, and restored my disability payments. My months of worrying were over!
Chris Roy not only got my benefits restored, he helped me save my house. I would not hesitate one moment to recommend his services.
I was very discouraged and at the end of my rope. I was losing my long term disability benefits, but I had no idea how to fight back. In order to be treated fairly I had to hire an attorney! Enter Roy Law. Without having to sue, Roy re-established my monthly benefits, and got my back benefits paid as well. I've extremely glad I made the call to Roy Law!
Chris and his firm are solid. He won my appeal with a well written and supported document. He and his firm go out of their way to fight for you to make things fair. Thank-you Chris. It is so really appreciated!