My experience with Roy Law has FAR EXCEEDED my expectations. In five months, Chris, Danielle and the rest of the staff won my appeal for long term disability. When I started the process of retaining Roy Law, I was skeptical of whether the firm could help me or not. After I inquired about their representation, Chris and Danielle called me immediately. Within 24 hours of explaining my case to Chris and Danielle, I shared their confidence that we would win the appeal.....and win they did. Danielle is truly a saint. She promptly answered every email and every phone call I made (and there were tons!) with patience and support. She was empathic to my chronic disability and genuinely concerned for my well being. Please DO NOT hesitate to use Roy Law for your disability case. A+++ rating. Thank you, Roy Law
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!
I found Roy Law in an internet search. They were professional, caring, very knowledgeable, knew exactly what to do, and how to get the right information they needed from my doctors to successfully represent me and win my case. Now I have monthly income, health insurance, and I can take care of myself. I’m very thankful and I would recommend them to anyone who has a legitimate long term disability case. Roy Law will fight for you and keep you informed what is going on at all times. Roy Law knows what they are doing. You can put your trust them.
Very good help with initial disability claim. Went thru first time. Good referral to Social Security attorney. Questions answered timely and professionally.
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.
Roy Law represents individuals throughout Idaho who have been denied long-term disability insurance benefits. A federal law, ERISA, governs group disability insurance policies obtained through employee benefit plans, while state contract and tort laws govern individually purchased private disability insurance policies.
Those denied benefits under ERISA governed disability insurance plans are allowed to appeal denials directly to federal court, the United States District Court, District of Idaho, with offices in Boise, Coeur d’Alene, Moscow and Pocatello. ERISA provides for the recovery of contractual damages, interest, and in some cases attorney fees and costs for those who prove they were wrongfully denied long-term disability insurance benefits.
For private disability policy disputes, when Idaho state laws govern, claims are heard in one of the state’s seven judicial districts in Idaho State District Court. State residents may bring lawsuits for breach of contract and the tort of bad faith. While breach of contract only allows for recovery of contractual damages, bad faith allows for recovery of extra-contractual damages over and above the breach such as pain, suffering, and emotional distress. An bad faith claim must meet the requirements laid out in Lakeland True Value Hardware, LLC v. Hartford Fire Ins. Co., 153 Idaho 716, 721, 291 P.3d 399, 404 (2012). Notably, the law requires proof that full compensation cannot be obtained solely through a breach of contract claim. Under a successful breach of contract or bad faith claim, residents may be able to recover their reasonable attorney fees and costs related to the legal action.
If you have been wrongfully denied long-term disability insurance benefits, please contact Roy Law to discuss. Roy Law will evaluate your claim for free and provide you all options for appealing your insurance company’s wrongful denial. In the meantime, here are a few links you may find informative: