I was first drawn into the fight for long-term disability benefits when I had to fight for a relative’s disability benefits. My cousin was “on disability” but the disability insurance company “determined” she was able to work even though the disability insurance company never examined my relative. The long-term disability insurer made its determination although my relative was still suffering many negative effects from having brain cancer, brain surgery, radiation and chemotherapy.
The denial occurred after my relative had received benefits for two years. I learned this was a common practice in the disability insurance industry and is called the “any occupation review.”
The methods the long-term disability insurance company used to deny further benefits and the arguments they made truly astounded me. I was ticked and fought hard to get them to overturn their decision. Eventually, we won. But it took months.
What I learned along the way about the practices in this industry really made me mad. People were doing the right things in life — working hard, raising good families, paying bills, going to church, being good friends and family members — but when they became sick or were injured, the protections they thought they had were pulled from under them.
The battles many of you are waging for social security disability (SSDI) or for long-term disability benefits convinced me that I needed to focus my abilities on helping you.
In September 2010, I opened my own law firm, so that I could center my practice on fighting for disability clients.
Loyd J. Bourgeois, LLC. is a Luling, Louisiana-based law firm with a specific interest in helping disability claimants fight for the social security and long-term disability benefits they deserve.