Roy Law is the only Northwest law firm solely dedicated to fighting disability insurance companies, like CIGNA, and its subsidiary Life Insurance Company of North America (“LINA”) against wrongful long-term disability insurance claim denials. CIGNA and LINA sell long-term disability insurance policies throughout Oregon, Washington State, Hawaii, Alaska, California, Arizona, Nevada, Idaho, and Montana. Roy Law’s attorneys are skilled at handling long-term disability appeals and litigation under CIGNA’s private and group long-term disability insurance policies.
CIGNA and LINA Private disability insurance policies are purchased individually, outside of employee benefit plans. Disputes over private long-term disability insurance policies are governed by state contract, tort, and consumer protection laws. Some states, like Oregon, only allow wrongfully denied insureds to bring claims against CIGNA and LINA for breach of contract. However, other states, like Washington State and California, allow policyholders to bring claims for breach of contract and bad faith. Washington State also allows statutory claims for violations of Washington’s Insurance Fair Conduct Act, (“IFCA”). Regardless of these differences, most states, including Oregon and Washington State, allow successful litigants to recover their reasonable attorney fees and costs.
CIGNA and LINA’s group disability insurance policies are offered by employers (e.g. governmental and non-governmental organizations, unions and associations) through employee benefit plans, and most disputes over those plans are governed by the Employee Retirement Income Security Act, or “ERISA”. ERISA allows those denied long-term disability insurance benefits to seek judicial review of denials in federal court. If successful at trial, claimants may recover contractual damages, back and future benefits, interest, and reasonable attorney fees and costs. ERISA does not allow for recovery of extra-contractual damages, such as damages for bad faith claim denials.
Cigna was formed in 1982 from Connecticut General Life Insurance, which was started in 1865 and Insurance Company of North America, and it is currently headquartered in Bloomfield, Connecticut. Cigna operates through numerous subsidiaries, some of which include Life Insurance Company of North America (“LINA”), Allegiance Life & Health Insurance Company, Inc., Ceres Sales of Ohio, LLC, and First Assist Group Holding Limited.
5 out of 5 starsposted 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!
5 out of 5 starsposted 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.
5 out of 5 starsposted 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.
5 out of 5 starsposted 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!!!
Roy Law helps client defeat Principal Life Insurance Company. bna.com/principal-ow…