Roy Law is the only Northwest law firm solely dedicated to fighting companies like MetLife against wrongful long-term disability insurance claim denials. MetLife sells its long-term disability insurance policies through Washington State, Oregon, Hawaii, Alaska, California, Arizona, Nevada, Idaho, and Montana. Roy Law’s disability lawyers handle long-term disability insurance appeals and litigation under MetLife’s group and private, individually purchased long-term disability insurance policies.
MetLife’s group policies are offered by employers through employee benefit plans, and most disputes over those plans are governed by the Employee Retirement Income Security Act, or “ERISA”. ERISA requires those wrongfully denied long-term disability insurance benefits to appeal their denials directly to their disability insurance companies. If their denials are upheld on appeal, ERISA allows claimants to seek judicial review in federal court. If successful at trial, insureds may recover contractual damages, back and future benefits, interest, and reasonable attorney fees and costs. ERISA does not allow claims for extra-contractual damages like the pain and suffering associated with wrongful denials.
Disputes over private, individual 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 for breach of contract. However, other states, like Washington State, allow policy holders to bring claims for breach of contract, bad faith, and for violations of Washington’s Insurance Fair Conduct Act, or “IFCA”. Regardless of these differences, both Oregon and Washington allow successful litigants to recover their reasonable attorney fees and costs for having to file a lawsuit for wrongful benefit denials.
MetLife, Inc. is the holding company for the Metropolitan Life Insurance Company (MLIC), and its subsidiaries and affiliates have included MetLife Investors, MetLife Bank, MetLife Securities, Metropolitan Property and Casualty Insurance Company and its subsidiaries, General American, Hyatt Legal, MetLife Resources, New England Financial, Walnut Street Securities, Inc., Safeguard Health Enterprises, Inc., and Tower Square Securities, Inc., Cigna. MetLife is headquartered in New York, New York.
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!