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.
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!!!
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.
After denial by my LTD and being treated less than a person Roy Law submitted my appeal. This forced the LTD company into hiring an IME.
After the IME examination my claim was approved. Then the staff at Roy Law interfaced with the LTD to correct numerous accounting errors. His staff treated me with compassion and understanding during the process.
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: