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.
People who become temporarily or permanently disabled often find themselves unable to work because of illness or injury. When that happens, they can seek compensation via disability insurance. Disability insurance is meant to provide financial support, usually from a portion of the person’s salary, to make a claim for benefits. Sadly, insurance companies often deny claims for disability insurance or use underhanded tactics to delay payment. Consequently, an experienced Austin disability insurance claims attorney at the Law Offices of J. Price McNamara is necessary when making a claim for benefits.
Disability insurance is a type of insurance that provides financial compensation and benefits to those who become disabled after suffering serious illnesses and finding themselves unable to work. Disability insurance is available to cover several types of conditions and illnesses. It is usually offered as part of an employer-sponsored benefit or group plan. However, because it is an employer-provided benefit, the Employee Retirement Income Security Act (ERISA) applies, which could make the process of obtaining benefits more difficult.
ERISA is a federal law that governs several types of employer-provided benefits, including disability insurance. Unfortunately, because it is a federal law, ERISA trumps state law, which gives insurance companies many advantages and incentives to deny claims. This is because ERISA precludes bad faith insurance denial claims, prevents a person from having his or her case decided by a jury, and forces the case to be heard in federal court which favors insurance companies. For these reasons, experienced legal representation by an Austin disability insurance claims attorney with a strong record of success is all the more necessary.
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.
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.
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.
“Price showed no fear. The only thing I can use to actively describe what I saw that day in court was someone standing there protecting our family and fighting for them at the same time…he took control of the situation and was truthful.”
“It was a smooth process. I didn’t have to guess about what was going to happen next…I was reassured that he was going to do the right thing. I was reassured that he was looking out for me.”
“He was ready to fight for me…I felt like he had my best interest in mind. It wasn’t just for the paycheck at the end.”
“Price worked for an insurance company in the past and now he’s working against the insurance company so it was because of that we trusted that he knew how an insurance company worked and how to fight them.”
“I feel blessed that I can help turn things around for my clients who have been denied that piece of mind of financial stability and we make sure that the insurance company and the court realize that these are actual people, these are families that are suffering greatly.”
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like…
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will…
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able…
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who…
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the…
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by…
My client’s cause for an ERISA accidental death and dismemberment denial lawsuit began when both Esther and her husband were involved in a tragic head-on collision with an 18-wheeler. This tragic accident resulted in severe injuries to Esther, as well as David’s untimely death.
Our client, a young husband with two children, sustained closed-head brain injury as a result of an automobile accident. The at-fault driver’s insurance company initially refused to pay, but shortly before trial, agreed to pay the entirety of its insurance policy limits of $2,000,000.
Our client was a floor hand and Jones Act seaman who suffered a shoulder injury while working for Blake Offshore, LLC. Suit was filed in federal court in New Orleans. Blake and its insurance company offered relatively little in settlement, so the case proceeded to trial.
Our client sustained a fractured hip and reduced ability to earn wages in the future as a result of an accident sustained on the offshore drilling rig to which he was assigned. Suit was filed in federal court in New Orleans.
Insurance companies know that people making claims for disability insurance are in desperate financial situations, due to their inability to work, and they accordingly use many tactics to try and deny claims – or minimize or delay payments for benefits. Insurance company medical evaluations for claims that involve disabling conditions are oftentimes invalid and are based upon a diagnosis provided by their own doctors. The insurance company might also claim that the condition was preexisting and that, therefore, it is not covered. Moreover, insurance companies will often provide only partial payments – or will stop making payments after a year or so – claiming that the person’s condition is no longer disabling.
Everything starts during the initial claim submission, which involves submitting claim forms, medical records, and physician statements. Assuming the claim is denied, the person seeking coverage can appeal internally through the insurance company. Finally, if the internal appeal is unsuccessful, the only option available is litigation in the federal court system.
Our number-one goal is getting you and your family back to financial security as soon as possible.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
Retaining an Austin disability attorney early on in the process increases the chances of success. An attorney can gather additional medical evidence and work with a doctor to strengthen a medical diagnosis. Additionally, an Austin claims attorney can strengthen a claims appeal by supplementing documents presented during the initial claim submission process. To learn more about the representation we can provide, contact us online today.
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