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

Google Reviews

Crazy Uncle John
Crazy Uncle John

5 out of 5 stars

posted 2 months ago

Chris Roy JD specializes in defeating (the) Standard Insurance with their dirty tricks; I have no doubt that I would have been just another victim without his expertise. What very much impressed me during my initial interview was his quiet, self-assured confidence - NO arrogance or over-confidence - but a demeanor resulting from experience and sound judgment. Everything that he predicted about my case came to pass as described, meaning that I won my case. It is unfortunate that we, as disabled insured workers, must go to these lengths, but I am fortunate to have Chris Roy on my side.

SS CC
SS CC

5 out of 5 stars

posted 2 months ago

Attorney Chris Roy helped me deal with an insurance company that wasn’t looking out for me or my family after I faced a frightening disability. Without a doubt, without his support, many dollars would have been taken from me. I recommend Attorney Chris Roy to anyone who needs advice on handling disability settlements.

Angie C
Angie C

5 out of 5 stars

posted 4 months ago

Roy Law and his staff took on my case in knowing the state policies and regulations were stacked against people applying for disability retirement . Chris was very professional and he or his staff returned my calls and emails with in hours. They really understand the hardship the disability process process and were there to listen and give me hope. I really hope more people find out about Roy Law and give them a call sooner rather than later . I have vast experience with disabilities and helping people with disabilities and I thought I could do this on my own but when the system is legally set up to deny everyone even with 3 supporting Medical professionals it was wonderful to have a experienced attorney defending my case . I will recommend any one going through this process. Intact Roy Law.

Kandi Anderson
Kandi Anderson

5 out of 5 stars

posted 5 months ago

Chris Roy and Danielle Barber are AMAZING. After getting the run around on my disability claim I contacted Roy Law office and they stepped right in and got me approved in a couple weeks. They kept me informed on everything they did and handled my claim in a professional and caring manner. I would recommend them to anyone. They took the stress off of me so I could focus on getting better. I definitely give them a 5 star +.
Kandi Lamb

Anthony P
Anthony P

5 out of 5 stars

posted 2 months ago

Roy Law turned a bitter roadblock into a fair and open outcome.

They worked with me in a kind, professional manner from the very first phone call, and they also did all the heavy lifting.

I really enjoyed working with the entire team, and highly recomend Roy Law.

Read All Reviews

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

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