I had lost my long term disability case with my employer insurance and needed to do an appeal. I called Roy Law with a million questions which were all answered. I went with Roy Law, thank goodness, as he won my case. They fought hard for me and kept me informed through the entire process and case he was building. I am very, very grateful for Chris and his staff. I can not say enough about how they helped me and my family. The insurance company made me feel as if I was lying about my condition, which made me doubt myself, but Chris proved my injury was disabling, (I knew I was and still am in severe pain) but I wasnt sure if it was bad enough. It was.
I want to thank Chris and Darrin for a superb job! They were very professional through out the process! I would recommend them to anybody I know.
Chris Roy and his firm are kind and extremely knowledgeable in their field of practice. I'm very satisfied with how my case was handled and especially the outcome. I would highly recommend Roy Law.
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!
Roy Law’s Oregon long-term disability lawyers represent individuals throughout Oregon State who have been denied disability insurance benefits. In fact, Roy Law is the only disability law firm in Oregon solely dedicated to fighting disability insurance companies against wrongful disability claim denials. ERISA, a federal law, governs most disputes over long-term disability insurance policies acquired through employee benefit plans, while state contract and tort laws govern disputes over private disability insurance policies.
ERISA allows those denied long-term disability insurance benefits to appeal to federal court in the United States District Court, District of Oregon. The District of Oregon maintains courthouses in Portland, Eugene, Medford, and Pendleton, and cases are divided between those courthouses based on litigants’ locations. In Oregon, many ERISA governed long-term disability appeals are heard on an abuse of discretion standard, meaning the District Court will reverse a long-term disability insurer’s decision only if it is arbitrary or capricious. However, the Oregon State Insurance Commissioner recently passed OAR 836-010-0026 stating discretionary clauses are unenforceable in all disability insurance policies issued or amended after March 12, 2015, which means those policies are reviewed under a de novo standard providing no deference to the insurance company’s decision to deny. If successful, appellants may recover contractual damages, back and future benefits, interest, plus reasonable attorney fees and costs.
Long-term disability insurance disputes involving private disability insurance policies purchased outside of employee benefit plans are generally heard in Oregon State Circuit Court. While each of Oregon’s thirty-six counties maintains a courthouse, the state is actually divided into twenty-seven judicial districts, and judges are elected by judicial district. Oregon allows those who have been wrongfully denied long-term disability insurance benefits to recover damages for breach of contract, including incidental and consequential damages, interest, and reasonable attorney fees and costs. However, insureds are not allowed to bring a claim for the tort of bad faith, which would allow for recovery of extra-contractual damages like compensation for pain, suffering, and emotional distress.
If you are a resident of Oregon and have been denied long-term disability insurance benefits, please give us a call. Roy Law will evaluate your case for free and give you an honest assessment of your situation. If Roy Law takes your case, we promise to employ our best effort to craft the most persuasive claim or appeal possible. Roy Law represents all Oregon State residents, including those living in Portland, Salem, Eugene, and Medford.
You may find the following disability information helpful: