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 2 weeks ago
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.
5 out of 5 starsposted 1 week ago
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.
5 out of 5 starsposted 1 month ago
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.
5 out of 5 starsposted 3 months ago
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
5 out of 5 starsposted 4 months 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!