Like any insurance benefits, disability plans are designed to help you when you need them most. You pay regular premiums with each paycheck, and those premiums purchase certainty. You are buying comfort and reassurance, knowing that if a tragedy were to happen, you would be entitled to recover those benefits to help support your family. This is why it is so frustrating when long-term disability insurance carriers decline to extend benefits to deserving people.
If you or a loved one have been unfairly denied long-term disability benefits in Austin, call the Law Offices of J. Price McNamara to schedule a confidential, free consultation. Being denied does not mean the end of your fight. Those who hire an experienced attorney often succeed in getting compensation after a denial.
A federal law known as ERISA was passed decades ago to protect workers and their rights to certain benefits. The law does not apply to all employers or employees, but it does cover many large employers and unions. Your health plan or disability insurance plan brochures will usually include language that tells you if your plan is governed by federal ERISA rules.
A long-term disability plan allows you to pay regular premiums and if you become disabled, you can claim temporary disability benefits at a set percentage of your income. These benefits can make the difference between making mortgage payments and utility payments. If the disabled individual is the primary breadwinner for the household, these benefits can be crucial to one’s financial survival.
Insurance companies do not make money by paying claims; they make money collecting premiums. Therefore, it may come as little surprise that insurance companies make it a priority to look for any legal justification to deny payments to even the most deserving individuals. But you do not have to give up without a fight. Here are just a few examples of excuses insurance companies use to deny benefits:
At the Law Offices of J. Price McNamara, we know that a disabled worker who is unable to earn a living due to a serious medical condition may be living on a tight budget. For this reason, we will never ask you to come up with attorney fees in order to get the help you need. Call or visit us online for a free case evaluation, and speak with a skilled attorney today.
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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 use him in the future.
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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 company knew that it was their fault but of course tried passing the buck. Mr.
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.
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