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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 Long Term Disability Lawyer

When you are facing the possibility of not being able to work due to a catastrophic injury or serious medical condition, it can be a confusing and frustrating time. Your family depends on you for support and income, but what happens if you can not work? Medical bills can start to pile up, leaving the future uncertain. Many people make the wise choice to carry long term disability insurance through their employers, but it can be extremely disappointing when your claim for benefits is denied.

At the Law Offices of J. Price McNamara, we have spent years getting to know our clients and their unique situations. If you have been denied long term disability, call our team today.

 

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.

FREE CASE CONSULTATION

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

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What is a Long Term Disability Plan?

Similar to an optional life insurance policy, long term disability plans are offered by employers to help employees who become unable to work for a long period of time. The plans generally provide a number of coverage options, based on how long you wish to be covered and what percentage of your salary you would need to get by in the event of a disabling condition.

 

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.

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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)

How are Long Term Disability Plans Funded?

Your employer’s long term disability plan is usually part of a cafeteria plan or group of options that you can choose from. Some long term disability plans are paid for by the employer, and in some cases, the employer may even pay 100% of the premiums up to a certain amount of coverage. In some plans, the employee must pay the premiums through payroll deductions.

What do You Need to Prove in Order to Use a Long Term Disability Insurance Policy?

To claim benefits, you must generally meet several requirements. These are:

  • You must be disabled
  • Your disability must continue longer than the “waiting” period
  • You must be unable to work (as defined by your policy contract)

What do terms like “disabled” and “unable to work” really mean? Unfortunately, this can vary from one contract to another, as there is no requirement that all policies be uniform.

How to Prove You are Not Able to Work

Figuring out if you qualify for long term disability benefits will require you to review the policy contract. At the Law Offices of J. Price McNamara, we handle contract reviews for our clients, helping to clarify what is required and the sort of medical evidence you will need to meet that standard. Many Atlanta, GA employers use long term disability (LTD) benefits as a strong tool for recruiting and retaining employees, so it is only fair that the benefits be paid when people need them.

Most policies define disability as the inability to work in your profession or job. So, a disabling condition may be different for a brick mason and a clerical worker. Nevertheless, many policies now put caps on this definition, effectively increasing the requirement after 12 or 24 months. After that time lapses, to continue getting benefits you must show you are completely unable to work in any capacity.

Things a Long Term Disability Policy Will Not Cover

In general, these types of policies will not cover pre-existing conditions. Unlike health insurance policies which currently must pay for pre-existing conditions, long term disability plans will not pay if you received medical care and treatment for the disabling condition in the 90 days prior to when coverage takes effect. There are limits to this, as some policies may only exclude pre-existing conditions for a year or two.

Getting Help After a Long Term Disability Denial

If you are unfairly denied compensation under your employer’s LTD benefit plan, call the Law Offices of J. Price McNamara today for a free consultation with an experienced disability lawyer who can help to review your case and look for ways to appeal the denial. Do not delay. Many policies have strict appeals procedures that must be met to preserve your rights.

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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