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RECOVER YOUR DENIED INSURANCE BENEFITS

LET A FORMER INSURANCE COMPANY ATTORNEY
GUIDE YOU

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.

Atlanta ERISA Lawyer

ERISA serves as a double-edged sword for employees who have employer-provided benefit programs. This is because, while ERISA provides a baseline for the terms and administration of these insurance programs, it also complicates the process for appealing any decision made by these program providers.

While most insurance programs purchased by individual citizens are simple contracts that Georgia courts have the power to enforce, ERISA-governed plans require the policyholder to first exhaust all insurance company appeals processes before asking a court to intervene. An Atlanta ERISA lawyer could help you better understand ERISA and how it interacts with your benefit plans. By helping you fully understand how ERISA affects your insurance policies, a knowledgeable insurance attorney can help you make sure you are doing everything possible to get the coverage you deserve.

 

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.

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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.

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What is ERISA and How Might it Affect Atlanta Workers?

ERISA is an acronym for the Employee Retirement Security Income Act. Because it is a federal law, ERISA controls all employer-provided benefits in Atlanta and everywhere else in the country. While it was originally intended to regulate retirement programs provided by employers, it has expanded to cover all employer-provided insurance programs including:

  • Health insurance
  • Pension plans
  • Life insurance

 

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

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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)

ERISA provides a baseline for how the administrators of these plans must act and the minimum protections that these policies must provide. However, it also states that a court can only hear a dispute over these cases if the policyholder exhausts all company internal appeals processes. This can significantly lengthen the time needed to obtain a ruling. An Atlanta ERISA lawyer could help policyholders understand whether ERISA controls a plan and to take the necessary steps under the law.

Differences Between Employee Benefits and Private Policies

At their core, insurance plans and benefit packages are contracts. In exchange for the payment of a premium, an insurance company agrees to pay out if certain conditions are met. These conditions can include the policyholder dying, the policyholder contracting an illness, or the policyholder retiring after working for a set number of years.

In a privately purchased insurance policy, the policyholder can ask a civil court in Atlanta to require the insurance company to honor the terms of the policy. These cases allege a simple breach of contract.

ERISA disputes are more complex. This is because ERISA requires insurers to create an internal appeals process to handle these disputes. Sadly, these internal appeals processes are rarely beneficial to the policyholder since the same people who made the initial denial are likely to rule on the appeal.

These disputes can only go to an Atlanta court once the policyholder exhausts all possible appeals. This can take weeks if not months. Still, pursuing these appeals in a proper and timely manner could be the only way forward and an Atlanta ERISA lawyer could help with this process.

Talk to an Atlanta ERISA Attorney Today

Few things are as frustrating as receiving a denial on an employer-provided benefit plan when difficulty or tragedy strikes. Many people rely on these plans in case of an illness, injury, or retirement. Sadly, insurance disputes over the scope and applicability of plans are common and a major source of breach of contract cases in civil courts.

However, if the plan in dispute is provided by an employer, ERISA laws control when a dispute can enter a courthouse. All policyholders who appeal a denial must fully exhaust all company appeals processes before filing a lawsuit. An Atlanta ERISA lawyer could help you understand this dynamic and to take the steps necessary to provide relief. To understand your options, call today.

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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