I’m Dedicated To Helping Clients Throughout The Claims Process

Based in New Orleans and representing clients nationwide.

Long Term Disability, Short Term Disability, SSDI & ERISA

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Has your private disability insurance claim been denied?

I can help.

I’m a top-rated Disability Insurance Attorney based in New Orleans, Louisiana with more than 20 years of experience. I help clients nationwide deal with wrongfully denied disability and life insurance claims.

When you choose me to handle your disability claim denial, you work directly with me on your case. Larger firms might brag about their size and caseloads, but most people don’t realize when you choose a large firm you might never even speak directly with the attorney representing you; instead they force you to deal with a paralegal or legal assistant.

Ed Doskey Reviews

Common Private Disability Insurance Companies

  • The Standard (Standard Insurance Company)
  • The Hartford
  • Unum
  • Sun Life (Sun Life Financial or Sun Life Assurance Company of Canada)
  • Guardian Life Insurance Company of America (Guardian)
  • Lincoln (Lincoln Financial Group or The Lincoln National Life Insurance Company)
  • Reliance Standard Life Insurance Co.
  • Metropolitan Life Insurance Company (MetLife)
  • Cigna (Cigna Group Insurance)
  • Life Insurance Company of North America (LINA)
  • Aetna
  • Principal Financial Group
  • The Prudential Life Insurance Company of America (Prudential)

Don’t see your insurance company listed? Don’t worry! Request a consultation so we can discuss the details of your case.

PERSONAL ATTENTION

At Doskey Law, PLC, you speak to an attorney about your case, not a paralegal or assistant. Many larger firms do not give you direct access to your attorney.

NO FEES ON FUTURE MONTHLY PAYMENTS

When Mr. Doskey wins your appeal and you are placed back on monthly benefits, the attorney fee is based on the past-due benefits only, unlike some firms that charge fees on future monthly benefits.

20+ YEARS OF EXPERIENCE

Practicing in the areas of Disability Insurance Law, Insurance Litigation, Workers’ Compensation and Personal Injury since 1997.

Understanding Long-Term Disability Insurance (LTD)

LTD insurance and SSDI are similar to each other in many ways. Both disability plans require claimants to make a written application for benefits and, if denied, the insurance company, like the Social Security Administration, issues a written reason for the denial and explains the claimant’s appeal options.

While the claim evaluation processes may be similar, insurance policies or plans do not necessarily define “disability” the same way the Social Security Administration does. It is very important to refer to your insurance policy or plan to see just how disability is defined.

Even more important, unlike the Social Security Administration, an LTD insurance carrier may be financially motivated to deny your claim.

After all, the less benefits an insurance company pays out, the more money it can keep for itself. For this reason, it is often advisable to contact an experienced disability attorney before you make your claim.

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Many LTD insurance policies provide two levels of coverage.

They will pay disability benefits for a limited period of time (often no more than one or two years) if a claimant can no longer perform the duties of his or her job. This is often called the “own occupation” period of disability. To receive benefits beyond the “own occupation” period of disability, a claimant must prove he or she cannot perform any work at all.

LTD insurance benefits can be part of an employer-sponsored fringe benefit plan or they can be purchased as an individual, private disability insurance policy.

If the LTD benefits are part of an employee fringe benefit plan (and the employer is not a government entity or church organization) then that insurance plan will be governed by the Employee Retirement Income Security Act (ERISA). This federal statute, unfortunately, stacks the deck in favor of the insurance companies.

For example, if a claimant is forced to sue his disability insurance company, the lawsuit must be filed in federal court, the claimant is not entitled to punitive damages and there is no guarantee his or her attorney’s fees will have to be paid by the insurance carrier.

Disability insurance policies which are purchased individually and are not part of employer-sponsored plan (or are part of a church or government employer sponsored plan) are governed by state law. In these cases there is the potential to win punitive damages and attorney’s fees in addition to obtaining the insurance payments themselves.

If you are a self-employed professional contemplating making a claim under your individual disability insurance (DI) policy, it is particularly important to contact an attorney before you make the application.

In addition to the usual tactics used by insurance companies to deny claims, when dealing with self-employed professionals, insurance companies are notorious for denying claims by asserting that their insured is not disabled so much as he or she is a bad business person.

In other words, your insurance company is not above accusing you of making a disability claim because business is bad and you’re not making as much money as you would like. In order to preempt the insurance company from using this tactic, contact an experienced disability attorney to make sure your claim application is in order before submitting it to the insurance company.

Ed Doskey

Why You Need Disability Attorney, Edward Doskey

Experience

Ed Doskey can help you navigate the minefield of loopholes, exclusions and excuses used to deny valid claims for benefits. He is familiar with the fine print in disability insurance policies and the tactics the insurance companies use to deny valid claims. If your claim is denied Mr. Doskey has the experience needed to handle the appeal process, and, if necessary, to sue the insurance company to obtain benefits.

Personal Attention

At Doskey Law, PLC, you speak to an attorney about your case, not a paralegal or assistant.

No Attorney Fees on Future Monthly Payments

When Mr. Doskey wins your appeal and you are placed back on monthly benefits, the attorney fee is based on the past-due benefits only, unlike some firms that charge fees on future monthly benefits.

Areas Of Practice

  • Social Security Disability Denials
  • Denied Life Insurance Claims
  • Denied Insurance Claims
  • Denied Long Term Disability (LTD) Insurance Claims
  • Denied Short Term Disability (STD) Claims
  • Monthly Benefit Cut-offs & Terminations

Accidental Death and Dismemberment Insurance (AD&D)

Rather than ongoing, monthly benefits, these insurance policies pay a lump sum of money in the event of an accidental death or loss of a limb (and sometimes an eye). The amount of the benefit depends on how much insurance is purchased and the nature of the accidental injury, dismemberment or death.

However, as with Long Term Disability insurance (LTD), the AD&D insurance carriers do not always stand behind their customers.

Sometimes insurance companies, relying on weak evidence, will deny a valid claim for benefits by accusing the claimant or the deceased of being negligent (e.g., operating a motor vehicle while under the influence of alcohol or drugs), or even of having committed suicide.

As with LTD insurance, your AD&D coverage will be governed by ERISA if the insurance is provided in a private employer-sponsored plan. Otherwise, state insurance law will govern your claim.

If your insurance company has denied your claim for benefits under an AD&D policy, contact me for a free consultation and evaluation of your case.

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If your claim for disability benefits has been denied by your insurance company, or if you are contemplating making a claim for disability insurance benefits, contact us for a consultation and case evaluation.

Claim Denied? Call For A Consultation

CALL NOW: 504-684-4473

Top Rated Lawyer

When I first began to practice law, Ed Doskey took the time to teach me some of what he knows. In my years of experience in the legal field, I have never met anyone more knowledgeable nor anyone with as much compassion for his clients. It would take an entire lifetime to learn everything that this person has to teach. A zealous advocate, a scholar, and a talented New Orleans musician. By hiring Ed Doskey, you will be hiring the best person to represent and protect your interests.

John S.

He is a wonderful, knowledgeable, caring attorney. He did an outstanding job representing me in dealing with a major corporation. I recommend him to anyone who needs his services.

Sandy M.

Mr. Doskey did an outstanding job of representing me during my disability mediation. He took charge and handled every aspect when I needed help the most and won me a full judgment. His hard work and sharp abilities as well as his client care was phenomenal. I will always recommend Mr Doskey to those in need.

Jill S.

We were fighting with disability for months and kept being told there was no reason not to return to work despite not being released to go back to work by 3 medical doctors. Mr. Doskey wrote a letter and had the first check plus back pay within a week!

Kevin S.

HAVE YOU BEEN DENIED COMPENSATION?

REQUEST A CONSULTATION NOW

If your insurance company has denied your benefits or if you have applied for benefits and have not received an answer promptly, contact me right away.

Call Now: 504-446-6379