Insurance policies are complex legal contracts, often filled with dense language, exclusions, and ambiguities designed to benefit the insurer. Dorian Law possesses extensive experience with policy interpretation and “hidden” laws that can change the meaning of a policy provision. We are masters at dissecting policy language, identifying critical clauses, and uncovering arguments that less experienced lawyers might miss.

ERISA (Employee Retirement Income Security Act) governs most group disability insurance policies and imposes a complex and often claimant-unfriendly legal framework. Dorian Law is a recognized leader in ERISA law. We possess in-depth ERISA knowledge, navigating this federal labyrinth with skill and confidence to protect our clients' rights.

Individual disability, life insurance, and AD&D policies are governed by state insurance laws, which vary significantly from state to state and offer different legal avenues than ERISA. Dorian Law possesses extensive state insurance law experience, allowing us to leverage state-specific protections and pursue powerful "bad faith" claims where applicable.

Years of experience fighting insurance companies have given Dorian Law invaluable "inside knowledge" of their tactics, strategies, and common denial practices. This Deep Industry Knowledge is like having the insurer's playbook. We anticipate their moves, preempt their strategies, and build cases designed to overcome their common defenses.

Disability claims often hinge on demonstrating how medical impairments prevent someone from performing their job duties. Dorian Law has developed significant vocational expertise. We understand occupational demands, utilize vocational experts effectively, and are skilled at translating medical limitations into compelling vocational evidence to prove disability.

We have a profound understanding of insurance policy language – the definitions, clauses, exclusions, conditions, and ambiguities. We can decipher even the most convoluted policy wording to identify avenues for coverage and challenge insurer misinterpretations.

We are intimately familiar with ERISA statutes, regulations, and the vast body of federal case law interpreting ERISA. This specialized ERISA expertise is essential for effectively litigating group disability claims and challenging insurer abuses under federal law.

We are knowledgeable about the nuances of insurance law in various states. We understand state-specific regulations, statutes, and case law precedents that govern individual insurance policy disputes. This state-level expertise is crucial for effectively litigating non-ERISA insurance claims.

We are intimately familiar with the common reasons insurance companies use to deny claims – "pre-existing condition" exclusions, "lack of objective evidence," "independent medical examinations" (IMEs), surveillance, "change in definition of disability," and mental health limitations. We know how to anticipate these tactics and build cases to directly counter them.

We have a strong working knowledge of various occupations, job classifications, and the physical and mental demands of different types of work. This allows us to effectively analyze job descriptions and assess how our clients' medical limitations impact their ability to perform their specific occupations (especially crucial in "own occupation" policies).

Our Deep Industry Knowledge allows us to identify possibly overlooked sources of coverage, uncover loopholes insurers try to exploit, and build arguments based on “hidden” statues or policy ambiguities that can be powerfully persuasive in negotiations and litigation.

We expertly navigate ERISA's complex administrative appeal process, pre-litigation requirements, and limited scope of judicial review. We know how to build a winning "administrative record," which is paramount in ERISA litigation (as detailed on our "Submitting an Effective Appeal" page).

We are experienced in litigating "bad faith" insurance claims and, when available, leveraging state laws to pursue extra-contractual damages (emotional distress, punitive damages) when insurers act unreasonably and unfairly.

We understand how insurance companies internally handle claims, their incentives to deny or minimize payouts, and the potential biases that can influence their claim decisions. This "insider perspective" informs our case strategy and allows us to expose unfair claim handling practices.

We collaborate with highly qualified vocational experts who provide objective assessments of our clients' functional capacities and ability to work. We understand how to effectively utilize vocational expert opinions to strengthen disability claims, especially in litigation.

We are adept at anticipating how insurance companies will interpret policy language to deny claims. This proactive approach allows us to strategically build cases from the outset to preemptively address potential policy-based denial arguments and strengthen your claim.

We are deeply committed to holding ERISA plan administrators and insurance companies accountable for fulfilling their fiduciary duties. We aggressively pursue breach of fiduciary duty claims when insurers violate ERISA standards or act in bad faith within the ERISA framework.

We are familiar with state insurance department regulations and procedures. We can effectively utilize state insurance department complaints and regulatory processes to further advocate for our clients and put pressure on insurance companies.

We are skilled at bridging the gap between medical evidence and vocational impact. We know how to present medical records and physician opinions in a way that clearly demonstrates how a client's medical conditions prevent them from performing the essential duties of their occupation or any reasonable occupation.