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Long Term Disability / Life /
Accidental Death / ERISA

Our past years of representing insurance companies taught us a thing or two about how they work behind the scenes. Let our experience work for you.

Athens Long Term Disability Lawyer

The Employee Retirement Income Security Act (ERISA), while designed to protect employees’ access to disability, is a complex federal law which allows an employee to pursue a claim if an employer’s insurance company refuses to pay out on a claim under the employer’s policy. Although originally designed to protect your rights, over time, lobbying efforts from insurance companies have made it more difficult to obtain benefits under the law.

Anyone filing for benefits, or appealing a denial or termination of benefits, should work with an experienced ERISA attorney. It is especially important to include all relevant evidence to your claim up-front in case you do have to file an appeal, as no new evidence can be admitted if you do go to court.


We answer any questions
you have FREE OF CHARGE.

(866) 248-0580

Receiving a bill should never be the first step in getting help. Our firm knows that when dealing with an ERISA, long term disability or insurance claim, what you need is answers, and we are here to provide them free of charge.

Our firm welcomes telephone calls or the opportunity to visit with you in person to answer any questions you may have. We also provide FREE comprehensive case reviews. There is no obligation to hire us as your ERISA attorney.

Why I Love Our Mission Of
Helping People Like You…

Too much is at stake to guess about the best approach and strategy for fighting your denied insurance claim — years and years of financial security.

After spending years representing insurance companies, we don’t guess. We know their playbook and how they work behind the scenes. Using that knowledge, we’ve developed our own Clear Advantage Process for fighting claims.

It’s personally satisfying to use what I’ve learned as an insurance company insider, now for the good — helping families reverse unfair denials of insurance benefits they paid for, need and deserve.


About J. Price McNamara

Price McNamara began his law practice in 1990 representing insurance companies.

In 1995, Mr. McNamara founded McNamara Law Offices, where he represents people across the U.S. who are wrongfully denied long-term disability insurance, life insurance, and accidental death insurance benefits, with special focus on ERISA claims and lawsuits.

His is a member of the Louisiana and Texas Bars, with office locations by appointment only in Baton Rouge, Metairie, and Houston. He lives in Baton Rouge, Louisiana with his wife and their three children.

See How We Have Helped Others In Situations Just Like Yours.

Client Testimonials

Our Testimonials

At the Law Offices of J. Price McNamara, we regularly handle ERISA disability litigation on behalf of our Alabama clients. Contact us today to find out more about our services.

Your Rights Under ERISA

ERISA provides claimants with the following rights:

  • If benefits are denied or terminated, claimants must be provided with copies of any and all documents relevant to the claim;
  • If denied, claimants are allowed at least 180 days to file an appeal;
  • If a claimant files an appeal, the insurer must make a determination within 45 days of receiving the appeal. However, if special circumstances exist, the insurer must notify the claimant that up to an additional 45 days is needed. After 90 days, a determination is required; and
  • The right to file a civil action in federal court under §502(a) after filing two appeals (within internal appeals process insurer sets forth).


Our number-one goal is getting you and your family back to financial security as soon as possible.

Contact Us Today. We Can Help You.

Free Case Consultation

Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.

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Baton Rouge Office

10455 Jefferson Hwy,
Suite 2B
Baton Rouge, LA 70809
Phone: (225) 201-8311
Fax: (225) 201-8313
(By Appointment)

New Orleans Office

4141 Veterans Memorial Blvd.
Suite 212
Metairie, LA 70002
Phone: (504) 458-8455
Fax: (225) 201-8313
(By Appointment)

Houston Office

363 N Sam Houston Pkwy E
Ste 1100 PMB, #114
Houston, TX 77060
Phone: (713) 439-0339
Fax: (225) 201-8313
(By Appointment)

Tactics Insurance Companies Use to Deny Claims

These are some of the common reasons your insurance policy will deny your application:

  • Your disability does not fit the insurer’s definition of disability:
  • You are not yet eligible to receive long term disability benefits because you are still in the “elimination period” and must first use up all of your short-term disability and sick time before filing for long term disability;
  • You did not also file for Social Security Disability Insurance benefits;
  • You provided insufficient medical evidence;
  • Your doctor’s statement was insufficient;
  • The insurance company’s medical expert disagrees with your doctor; and/or
  • You missed the appeal deadline (most plans provide you with 180 days to appeal).


Keep in mind that, not only does Alabama not mandate that employers carry long term disability insurance, church benefit plans—as well as those of local, state, and federal government employers—may be exempt. This is because ERISA was designed to protect employees covered by private insurance plans, and public employees may already have protections like these in place.

Contact Us for a Free Consultation

Our ERISA disability insurance attorneys offer free consultation and information for individuals at all stages of filing for long term disability. Contact us today with any questions you have. We answer all questions FREE OF CHARGE.

Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. Testimonials are not a guarantee, warranty, or prediction of the outcome of your case. By providing certain contact information herein, you are expressly authorizing the recipient of this message to contact you via the methods of communication provided.

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