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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.

Austin Long Term Disability Lawyer

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 for a 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.

 

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.

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Understanding Long Term Disability Insurance?

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.

 

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

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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)

Why Insurance Companies Deny Long Term Disability Benefits

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:

  • Technical Denials: Perhaps your insurance contract has a deadline on notifying your employer or the insurance carrier. If you miss the deadline by even a day, you could be legally denied benefits
  • Inadequate Medical Evidence: In order to qualify under your insurance contract, you will be required to show that your disabling condition meets specific guidelines. Sometimes physicians may not fully understand the language needed in order to trigger your benefits or the report may be weak on explanations.
  • Bad Faith: When an insurance company willingly chooses to decline payments, despite clear evidence, it may even be considered bad faith. This is a form of breach of contract, where you may have a right to sue your own insurance company for violating the terms of your insurance contract.  

How an Austin Long Term Disability Attorney can Help

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.

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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