Washington Disability Insurance Attorney
Representing Disabled Individuals Throughout Washington State
Disability insurance companies hope that you will never need to use your coverage. These companies often use confusing and ambiguous wording in their contracts to make it easier to dispute or deny claims—and harder for you to recover benefits.
At Dabdoub Law Firm, we are dedicated to standing up for the rights of disabled individuals from across all occupations and industries. For more than 20 years, we have devoted 100% of our practice to disability insurance law, representing clients in Washington State and nationwide. No matter the medical condition you have or the complexity of your case, our Washington disability attorneys are here to answer your questions, address your concerns, and fight for you.
What to Do If Your Disability Claim Is Denied
If your claim is denied, you have the right to request an appeal. If your case falls under the Employee Retirement Income Security Act (ERISA), as most do, you must request an appeal within 180 days of receiving notice that your claim was denied. If you fail to meet this deadline, you will not be able to appeal the claim denial, and you will lose out on your disability benefits.
You should also note that the appeal may very well be your last chance to submit evidence of your disability. As such, it is important that you take the time to properly prepare your case. We recommend that you work with an experienced and knowledgeable attorney who can guide you through this process and represent your best interests.
What If the Appeal Is Denied?
If your appeal is denied, the next step is filing a lawsuit against the insurance company in federal court (if your case falls under ERISA). With ERISA cases, you must typically follow the insurance company’s internal appeals process before filing a lawsuit.
Because the state of Washington has banned “discretionary clauses” in disability insurance policies, claimants who take their cases to court are on more equal footing with insurance providers than those in states that permit these clauses. When discretionary clauses are permitted, insurance companies have authority to decide what is—and isn’t—a disability, and courts generally defer to insurance companies when ruling on appeals.
In Washington, this is not necessarily the case. In fact, the state’s 2009 ban on discretionary clauses applies to all claim denials and benefits terminations occurring after 2009. This means that if your policy began prior to 2009 but you did not have your claim denied or your benefits terminated until 2010 or later, the ban applies.
It is of the utmost importance that you work with a skilled legal team that has the experience, resources, and skill to effectively navigate the appeals and/or litigation process on your behalf. At Dabdoub Law Firm, we have earned a reputation for providing personalized legal strategies and securing the results our clients need.
Why Choose Dabdoub Law Firm?
If your disability insurance case is governed by ERISA, you do not need to hire an attorney located in Washington State, as there are no state-specific laws that will affect your claim or your appeal (aside from the ban on discretionary clauses discussed above). Rather, it is more important that you have a lawyer who knows and understands ERISA-related issues, as well as all aspects of long-term disability claims.
At Dabdoub Law Firm, we believe that our team is set apart from the rest for the following reasons:
- We focus exclusively on disability insurance law
- We have worked with every major disability insurance provider
- Our attorneys have been recognized for their legal capabilities
- Our team works tirelessly to ensure every client receives the attention and support they need
- We provide free consultations and do not collect attorneys’ fees unless we win
Our award-winning Washington disability lawyers are prepared to put their extensive experience and knowledge of complex disability laws, procedures, policies, and processes on your side. Wherever you are in the process, we are ready to help. We know that you are already navigating a difficult time in your life, which is why we are committed to helping you meet—and overcome—the challenges ahead.