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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.

Bay City ERISA Claims Lawyer

Bay City ERISA Claims Lawyer

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that oversees various benefits provided by employers to employees, such as:

-Health insurance

-Life insurance

-Long term disability

-Short term disability

-Accidental death insurance

-Retirement plans

While drafted and passed with the intent to protect benefits and to make sure claimants receive the benefits they are entitled to, unfortunately, it has had the opposite effect. Due to the law’s complexity and unintended consequences, an individual seeking benefits under an ERISA covered plan should retain a knowledgeable Bay City ERISA claims lawyer at the Law Offices of J. Price McNamara.

How ERISA Works

In 1974, the United States Congress passed the Employee Retirement Income Security Act in order to make sure that employer-provided benefits are properly managed and that claimants receive benefits from covered plans. While ERISA covers employer benefits, it does not cover other types of insurance, such as automobile insurance, homeowner’s insurance, and privately purchased health insurance and disability insurance.  

As ERISA is a federal law, it preempts all state laws which traditionally governed these types of insurance benefits, giving insurance companies an advantage and an incentive to deny claims. Consequently, claimants should retain a successful Bay City ERISA claims lawyer.

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.


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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The Claims Process

The process of obtaining benefits begins with submitting a claim for benefits or coverage to a plan administrator who then reviews the claim and all supporting documentation. If the claim is denied, a claimant can appeal the denial internally through the insurance company. However, the appeal must be done properly, since any records or documents presented as part of the appeal are not permitted to be supplemented at a later time. Due to the critical nature of an internal appeal, it should not be undertaken without the assistance of an ERISA claims lawyer in Bay City.

How ERISA Gives Insurance Companies Incentives to Deny Claims

Assuming an insurance company denies a claim, even one with merit in bad faith, a claimant’s only option is to proceed with litigation. While lawsuits against insurance companies are normally heard in state courts, ERISA preempts state law. Consequently, a claimant’s lawsuit is forced into federal court, with only a judge reviewing the internal appeal record that cannot be supplemented. As a claimant is not entitled to have his or her case heard by a jury and may be precluded from bringing a bad faith claim, insurance companies have many incentives to deny claims. Overall, their legal and financial exposure is extremely low.

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)

Contact a Bay City ERISA Claims Lawyer

A person who is unable to work and who is seeking insurance benefits should retain a lawyer as soon as possible. A lawyer can assist with preparing a claim in order to maximize the chances of the claim being approved during the initial submission. Additionally, assuming the claim is denied, a lawyer can consult with doctors and gather additional documentation, in order to maximize the likelihood of success during an appeal or litigation. To learn more about the representation we can provide, contact us online 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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