Oregon'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’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:

Practice Areas

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