Loyd Bourgeois

About

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Growing up, I had the typical South Louisiana experience. I learned to swim before I could walk when I was thrown from the boat while fishing down in Lafitte (I don’t know anyone who didn’t learn to swim that way). I used to know French may che. I raised alligators taken from the nest after wrestling mom for fun. And I used to have this great Cajun accent when I was the waterboy for the school’s football team.

My name is Loyd Bourgeois. And while that is not exactly my life story, it’s close. Okay. Maybe not. But this is…

From Engineer to Attorney: My Journey to Law

I am a native Louisianian, growing up in a small town in St. Charles Parish named Bayou Gauche. I am a Catholic family man with three beautiful children and a loving wife. I have an engineering degree from LSU and graduated cum laude from Tulane Law School.

A Personal Battle: The Fight That Ignited My Passion for Disability Law

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.
READ MORE ABOUT LOYD J. BOURGEOIS