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Colorado

Colorado Disability Lawyers

Our disability insurance attorneys at Dabdoub Law Firm have experience with ERISA and short-term and long-term disability claims across the country, including with clients in Colorado. Call (800) 969-0488 for a free consultation.

What if my benefits were denied or terminated?

If your benefits have just been denied or terminated, you need to file an appeal with your insurance company. Under ERISA, you have 180 days to do so. This appeal will likely be your last chance to submit evidence in your favor, so it is important to take time to fully develop your case before submitting your appeal.

Do I need to have an attorney in Colorado to help with my appeal?

We do recommend consulting with an attorney before submitting an appeal, but your attorney does not need to be located in Colorado. There is nothing specific to Colorado law that will affect your appeal. It is more important for you to have an attorney with expertise in ERISA disability claims and appeals than for you to have an attorney in your specific state.

What happens if my appeal is denied?

If your appeal is denied and your case is governed by ERISA, you will have the option to bring a lawsuit in federal court.

What makes Colorado unique in a federal case?

If your policy was issued to you in Colorado, there may be favorable law that applies to your case. The Colorado legislature passed a law which bans the use of “discretionary clauses” in insurance policies. If an insurance company has discretion, it makes your case harder to prove. 

You must prove that you are disabled and prove that the insurance company acted unreasonably. This is a difficult standard to meet. Colorado’s law attempts level the playing field and make the process more fair.

Unfortunately, the state of the law in Colorado regarding this ban on discretion is somewhat unclear. Certain courts have upheld the ban, while others have found that it is not applicable. The Tenth Circuit Court of Appeals, which has the authority to make a clear determination on the issue, has not yet addressed it.

For now, this is an issue that is unresolved. Our attorneys stay up to date on the state of law in Colorado, so that we know what arguments to make and can use the law to your advantage. Should you live in Colorado and need advice or assistance with your appeal or lawsuit, our attorneys are equipped to handle it.

Contact today to schedule your free case evaluation.

Client Success Stories

    “Laser-like tactical approach.”
    “World-class team that over delivers for its clients!!!”
    - Michael
    “I will always be grateful to God for them.”
    “They fought for me like I was family and never left my side even during the hard days.”
    - Tee
    “Another firm wouldn't even take the case.”
    “They offered me assurance and gained my trust as a result of their competence on every issue.”
    - Alan
    “The firm represented me well.”
    “Dabdoub Law Firm knew exactly what to do and did not pressure me to make a hasty decision regarding settlement. In the end, I was fairly compensated for my case. The firm represented me well.”
    - Anonymous
    “I am very pleased with my experience and the performance, support, professionalism and determination of Mr. Dabdoub and his entire staff.”
    “I sincerely appreciate all of the help and professionalism shown by him and his wonderful staff in his firm.”
    - Former Client
    “They made the process easy and simple for me, which is needed with my disability.”
    “They made the process easy and simple for me, which is needed with my disability. Lots of pain & headaches which is difficult to think clearly. The team was always understanding. They worked diligently and won my case. Thank you Dabdoub team! I highly ”
    - Theresa
    “The team at Dabdoub went to bat for me and won my case against the insurance company.”
    “After being on short-term disability for 6 months with my employer I was supposed to transition into long-term through my disability insurer CIGNA (AKA: New York Life). They had all the medical records on me and still denied my claim. I was so stressed! I ”
    - William
    “The kind of team you want on your side.”
    “This law firm is an excellent example of knowledgeable, professional, incredible lawyers that have the expertise to get the job done while at the same time have an incredible amount of compassion for their clients”
    - Former client

Focused on Winning Your Disability Benefits

Representing People Nationwide

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