Roy Law is headquartered in Portland, Oregon, and its long-term disability insurance appeal lawyers represent Portland residents in disputes over ERISA-governed disability insurance plans, as well as individually purchased private disability insurance policies. Roy Law’s Portland location is ideal for Oregon long-term disability insurance appeals because almost all long-term disability insurance appeals are heard in federal court, and Portland is the seat of Oregon’s largest federal district courthouse.
The federal Employee Retirement Income Security Act, or “ERISA,” governs almost all Portland, Oregon long-term disability insurance policies obtained through an employee benefit plan. ERISA allows employees who have been denied long-term disability insurance benefits to appeal directly to the United States District Court, District of Oregon, located at 1000 SW Third Avenue in downtown Portland, Oregon. Successful appellants may be able to recover back benefits, future benefits, interest, and in some cases, attorney fees.
Portland, Oregon residents who purchase disability insurance individually on the private market, outside of an employee benefit plan, will have their disputes governed by Oregon State’s contract and tort laws. Oregon State law allows claimants to sue their disability insurance company for breach of contract and to ask for damages incidental and consequential to the breach. However, Portland, Oregon residents are not permitted to bring a claim for bad faith, which is unfortunate, as a bad faith claim allows for recovery of extra-contractual damages. Most Portland residents will have their disputes heard at the Multnomah County Circuit Courthouse, located at 1021 SW Fourth Avenue, in downtown Portland, Oregon.
If you have a potential disability insurance claim or appeal, please contact Roy Law to discuss. Roy Law offers free consultations and case evaluations to all prospective clients. In addition to our legal services you may also find the following local resources helpful:
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!