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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.

CIGNA Louisiana Disability Insurance Denial Lawyer

Most people depend on their job to provide for themselves and their family members. Unfortunately, an unexpected medical condition or injury can prevent virtually anyone from working and generating income. For this reason, employees depend on their disability insurance carriers to provide them with the compensation they need to maintain their standard of living.

Disability insurance provides employees with a portion of their normal income until they are able to return to work or obtain Social Security disability insurance. In most cases, obtaining disability insurance benefits is easier said than done, and certain companies including CIGNA, have been known to deny disability claims for a variety of reasons.

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.

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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.

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Fortunately, help is available in the form of a dedicated insurance attorney. If your disability claim was denied by CIGNA or you are in the process of filing an appeal, it may be time to contact a CIGNA Louisiana disability insurance denial lawyer and start exploring your legal options.

The Relationship Between CIGNA and Policyholders

The agreement between an insurance company and a policyholder is essentially a contract. To grossly simplify a complex dynamic, as long as the policyholder pays their premium, the insurer is legally required to provide them with the benefits they are paying for. Often, though, insurance companies such as CIGNA attempt to deny valid disability claims for illegitimate reasons in the interest of saving money.

Our number-one goal is getting you and your family back to financial security as soon as possible.

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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)

When an insurance company refuses to pay the benefits it agreed to pay, it may be acting in what the law defines as “bad faith.” Common acts of bad faith include:

  • Falsely claiming the policyholder failed to make premium payments
  • Using undisclosed rules and regulations to deny a claim
  • Only making partial payments to a policyholder without due cause
  • Inaccurately claiming the policyholder did not submit adequate supporting evidence

Insurance policies are notoriously difficult to comprehend, and unfortunately, companies like CIGNA sometimes exploit this fact. Luckily, policyholders do have the legal right to appeal a decision they do not agree with.

The CIGNA Appeals Process

The vast majority of insurance companies offer their policyholders a chance to appeal their decisions. An appeal must be filed in a specific manner, and the appeals process differs from insurance company to insurance company.

Furthermore, these processes are often complicated, and policyholders are almost always forced to adhere to strict deadlines. Making a simple mistake can result in a denial, which may or may not be final.

While some policyholders will inevitably have their appeals denied, the federal government does give most policyholders the right to take their insurers to court if their initial appeal is unsuccessful. If a policyholder does choose to take CIGNA to court, they will more than likely need the help of a CIGNA Louisiana disability insurance denial lawyer to effectively pursue a positive resolution to their case.

Taking an Insurer to Court

Insurers are notorious for exploiting the law to their own advantage, and policyholders should never attempt to take them on alone. Fortunately, a skilled lawyer could help Louisiana residents understand their legal options after a disability insurance denial from CIGNA and provide them with guidance throughout the ensuing appeals process.

Insurance companies like CIGNA will often go to any length to avoid having to pay benefits, and they should never be allowed to get away with acting in bad faith. If a policyholder is able to prove their case against an insurer, the court will more than likely overturn the initial denial.

Reach Out to a CIGNA Louisiana Disability Insurance Denial Attorney

Just because you receive a claim denial does not mean you have no hope of ever receiving benefits. If you have an insurance policy overseen by CIGNA and recently had a claim for benefits denied, you may have a wide range of legal options at your disposal. Reach out to a CIGNA Louisiana disability insurance denial lawyer today if you are ready to hold your insurer accountable.

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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