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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.

Charlotte Long Term Disability Lawyer

If you are denied long term disability insurance by your employer or insurance company in Charlotte, call an ERISA disability lawyer who can help you appeal your denial and get the benefits you have earned.

A lot of American workers do not realize that their health, dental, and disability insurance plans may not actually be administered by the insurance company. In fact, the funds may be collected by the employer and pooled together with funds from hundreds or even thousands of other workers in a third-party trust that is administered either by the employer, a union, or even a contracted administrator.

 

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

Our Testimonials

Unfortunately, it has become standard practice for these insurance companies and their third-party administrators (TPAs) to outright deny almost all long term disability claims filed by deserving American workers. At the Law Offices of J. Price McNamara, we know this is wrong, and we are willing to fight back for our clients.  

Who are Third-Party Administrators (TPAs)?

A major legislative scheme was created over 40 years ago when Congress passed the Employee Retirement Income Security Act of 1974 (ERISA). This law was created with the purpose of protecting American workers from unscrupulous employers and their insurance companies. For decades, large companies had mismanaged funds collected from employees, leaving workers to reach retirement with little to no money remaining in their investment accounts and pensions.

 

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)

Today, many of the largest employers in the country opt to use third-party administrators to act as managers who handle the funds and distribute money to pay claims in a responsible and economically feasible manner. Some of the biggest third-party administrators in the country include:

  • Sedgwick Claims
  • Gallagher Bassett
  • Broadspire
  • Meritain

There are plenty of others, but if you work for a major employer, chances are one of these TPAs may be administering your long term disability plan.

Why do Insurance Companies Deny Long Term Disability Claims?

There are two broad ways that insurance companies and plan administrators deny claims for disability benefits:

  • Technical Denials: This is when you fail to notify your employer in time or you miss deadlines or other technical plan requirements that may or may not be clearly outlined in your plan materials. In other words, there are countless technicalities upon which these companies can rely when looking for excuses not to pay.
  • Medical Denials: In order to qualify for long term disability, you will need your healthcare providers to certify that your medical issue meets certain specific conditions. Some doctors may not be well-versed in the rules and regulations of long term disability plans, thus their reports may lack the type of specificity needed. Or, your claim may lack a clear explanation of why or how your medical issue directly limits you from performing the type of work you normally do for your employer. These can trigger denials.

Your Appeal Rights

Under ERISA, you are entitled to appeal a denial. Your long term disability plan materials will include specific rules and procedures for filing an appeal. However, the law also allows workers to file a lawsuit to enforce their plan contract.

How to Get Help

If you are facing a denial of long term disability benefits, do not wait too long. Call the Law Offices of J. Price McNamara today. A single phone call is all it takes to schedule a free case evaluation with a skilled and experienced ERISA long term disability lawyer.

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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