Hawaii's Leading Long-Term Disability Insurance & ERISA Appeal Attorneys

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Steven Jewell
Steven Jewell

5 out of 5 stars

posted 1 day ago

Facing permanent disability and unable to work I thought my insurance would cover me, boy was I wrong! I had paid the premium for many years through my employer just in case something ever happened. With no where to turn, being denied by insurance and depleting all savings just to survive I felt helpless!

Searching the internet I found Roy Law. Taking a chance I called. What a godsend ! This Law Firm, and in particular Chris Roy, saved the day. I found everyone to be professional, caring, diligent and timely. They are not only good at what they do but they take the time to make sure you understand what you're faced with and the paths to help you make the best decision. Chris and his team were successful in turning my situation around. Chris truly cares about what they do and why they do it, and for the right reasons. His firm knows the industry and how most insurance companies only care about the bottom dollar and not necessarily about your health or situation.

I'm glad I found Roy Law and highly recommend them and their ability to Help! Don't hesitate to call or give them a try. I know I'm glad I did!

Kevin Winters
Kevin Winters

5 out of 5 stars

posted 1 month ago

Chris and his staff at Roy law are great. They're very thorough and I wouldn't have a problem recommending them. They care about their clients and work hard for you.

Tom Moore
Tom Moore

5 out of 5 stars

posted 2 months ago

I was being treated like a thief by an insurance company. I could fill a page with the explanation of the run around that I was receiving ...making me want to drop the case and just forget about hundreds of thousands of dollars that they owed me..insurance commissioner? Forget them. They were completely useless in my case. After many calls to different attorneys offices I found Chris Roy..
I don't know who wrote the bad reviews of this law office...but in my case Chris Roy was tenacious and communicated every detail with me ..believe me ...he made the insurance company pay attention.
Be smart , document your case carefully, and then turn it over to Chris Roy.
Don't get pushed around by an insurance company..be smart, get Chris Roy to help you.

Heather Gentry
Heather Gentry

5 out of 5 stars

posted 2 months ago

I was like the many other people that wrote a review for Chris Roy. I have paid into my long term disability insurance on and off for over 18 years. I have always tried to keep working despite having 4 brain surgeries and 2 neck fusions in 6 years!! I really believed it would matter, that my hard work and determination would make a difference. I believed that if the day came that I could no longer work, I could be proud and unashamed knowing I had done everything I could to keep working. Instead the opposite was true!! Prudential has taken everything from me and I've been fighting them for 10 long horrible months!!
Thank God for Chris Roy, Danielle Barber and the rest of his staff!!! My only regret is that I didn't hire them from the beginning!! We are still fighting for my benefits but I sleep so much better knowing they are in my corner! They work hard and care about their clients. They are extremely knowledgeable and give me confidence that we are eventually going to be ok!
I saw in one gentleman's review about the Department of Buissness and Consumer Services, that they would not help. This has been true for me as well. It is very disappointing that these organizations do nothing to help the people being victimized by billionaire companies during the worst times of our lives!! I wish we could form some sort of petition with enough signatures that they could not ignore us anymore!!!

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Contact Us Today For A Free Appeal Evaluation

Roy Law represents individuals throughout Hawaii who have been denied long-term disability insurance benefits. A federal law titled the Employee Retirement Income Security Act  (“ERISA”) governs almost all disputes over group disability insurance policies obtained through employee benefit plans, while state contract and tort laws govern disputes over individually purchased private disability insurance policies.

ERISA allows those wrongfully denied long-term disability insurance benefits to appeal denials directly to federal court, the United States District Court, District of Hawaii, located at 300 Ala Moana Blvd, Rm C338, in Honolulu. A successful ERISA claim allows for recovery of contractual damages, interest, and in some cases attorney fees and costs.

Hawaii residents holding private disability insurance policies will have their claims heard in Hawai‘i State Circuit Court. There are four circuit court systems in Hawaii: O‘ahu, Maui, Moloka‘i and Lana‘i, Hawai‘i, and Kaua‘i. State law allows Hawaii residents to sue for breach of contract to obtain direct damages as well as damages incidental and consequential to the breach of contract. Further, residents may also sue for the tort of bad faith, which allows for recovery of extra-contractual damages, like compensation for pain, suffering, and emotional distress. Moreover, under a successful claim for breach of contract or bad faith, insureds may be able to recover their reasonable attorney fees and costs for having to bring legal action to obtain benefits.

If you have a Hawaii long-term disability insurance policy dispute please contact Roy Law for a free consultation. Our attorneys will review your case and provide the best advice on how to appeal your disability claim denial. In the meantime, you may also find these links helpful:

  • The Hawaii Disability Rights Center is the designated Protection and Advocacy (P&A) System for the state’s estimated 180,000 residents with disabilities.

Practice Areas

Representing individuals denied benefits under privately purchased disability insurance policies.Continue Reading
What is ERISA? Answer: Employee Retirement Income Security Act
Representing employees denied benefits under disability insurance policies obtained through employee benefit plans.Continue Reading