In addition to representing individuals holding private long-term disability insurance policies, Roy Law’s disability lawyers also represent employees throughout Oregon, Washington State, Hawaii, Alaska, California, Arizona, Nevada, Idaho, and Montana who have been denied long-term disability insurance benefits under employer provided group plans. A vast majority of those employee benefit disputes are governed by a federal law titled the Employee Retirement Income Security Act (“ERISA“). Roy Law’s ERISA attorneys have dedicated their practice to becoming experts in that law.
ERISA provides the processes and procedures required to dispute a denial of employer provided long-term disability insurance benefits, and the law must be strictly followed. For example, upon any disability claim denial an insurance company must offer its insured one or more appeal opportunities, and claimants must participate in all mandatory appeals offered. Failure to comply with the mandatory appeal process means the case is over, with no right to file a lawsuit and seek judicial review. Moreover, even when judicial review is permitted, ERISA rarely allows claimants to present new evidence at trial, meaning the judge only considers the evidence contained within the insurance company’s claim file. Therefore, it is critical to follow the letter of the law and present the best case possible from the outset of any ERISA governed long-term disability insurance claim.
If you have any questions about ERISA or how the law may impact your long-term disability insurance claim or appeal, please download Roy Law’s free ERISA information available in the Resources section of our site, and call to speak with one of our attorneys.
5 out of 5 starsposted 3 days 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 days 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!!!
5 out of 5 starsposted 4 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.
5 out of 5 starsposted 1 month ago
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.
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