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.
ERISA is a federal law that provides employees with various protections of their long term disability benefits. These benefits are highly important and if a person is unable to work for an extended period, their long term disability benefits should provide them with a portion of their salary (usually 50 to 80 percent) until they are able to return to work.
ERISA long term disability usually begins to kick in after short-term disability runs out, but unfortunately, insurers do have the right to deny a claim for long term disability. This can be frustrating to claimants, who need their benefits to survive. To understand how to avoid this or fight a denial it may be important to understand the common reasons for ERISA long term disability insurance denial in Louisiana.
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.
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.
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.
“Price showed no fear. The only thing I can use to actively describe what I saw that day in court was someone standing there protecting our family and fighting for them at the same time…he took control of the situation and was truthful.”
“It was a smooth process. I didn’t have to guess about what was going to happen next…I was reassured that he was going to do the right thing. I was reassured that he was looking out for me.”
“He was ready to fight for me…I felt like he had my best interest in mind. It wasn’t just for the paycheck at the end.”
“Price worked for an insurance company in the past and now he’s working against the insurance company so it was because of that we trusted that he knew how an insurance company worked and how to fight them.”
“I feel blessed that I can help turn things around for my clients who have been denied that piece of mind of financial stability and we make sure that the insurance company and the court realize that these are actual people, these are families that are suffering greatly.”
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like…
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…
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able…
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who…
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…
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.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by…
My client’s cause for an ERISA accidental death and dismemberment denial lawsuit began when both Esther and her husband were involved in a tragic head-on collision with an 18-wheeler. This tragic accident resulted in severe injuries to Esther, as well as David’s untimely death.
Our client, a young husband with two children, sustained closed-head brain injury as a result of an automobile accident. The at-fault driver’s insurance company initially refused to pay, but shortly before trial, agreed to pay the entirety of its insurance policy limits of $2,000,000.
Our client was a floor hand and Jones Act seaman who suffered a shoulder injury while working for Blake Offshore, LLC. Suit was filed in federal court in New Orleans. Blake and its insurance company offered relatively little in settlement, so the case proceeded to trial.
Our client sustained a fractured hip and reduced ability to earn wages in the future as a result of an accident sustained on the offshore drilling rig to which he was assigned. Suit was filed in federal court in New Orleans.
A policy-carrier can deny a long term disability claim for a variety of reasons, but one of the most common reasons for ERISA long term disability insurance denial in Louisiana is insufficient medical evidence. During the claims process, injured and ill workers will need to submit documents from a medical professional to prove they are actually unable to work. Unfortunately, this does not always work and even with medical documentation an insurer can deny a claim.
Many insurers have their own team of doctors, nurses, and other medical professionals they consult with before deciding on a claim. These medical professionals do not have any actual interaction with the claimant and, since they work for the insurance company, they have a vested interest in denying the claim.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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The claims process is complex and fully understanding it is nearly impossible without a legal background. Unfortunately, insurers are aware of this and often use the complexity to their advantage. Since even the smallest mistake can disqualify a person and cause them to lose benefits, it is necessary for claimants to file properly and in a timely manner.
Insurance companies can also deny a claim if they do not receive the right materials. Claimants are responsible for submitting multiple documents to the insurance company and these documents are often lost or misplaced by personnel, which can also lead to a denial. To ensure they receive the benefits they are entitled to, many policyholders work with an attorney who can help them through the application process.
A claim denial can be angering and emotionally devastating. However, claimants do have the right to file an appeal, and if they do not agree with the outcome of the appeal, have a right to take legal action against the carrier of the policy. During an appeal, a lawyer may be able to help by:
Fighting back against a large company is always hard, but with help from an attorney, it may be possible for a claimant to prove their case and get the benefits they need.
There are numerous common reasons for ERISA long term disability insurance denial in Louisiana and they all prevent honest people from accessing the benefits they need to thrive and recover. Despite the high number of denials issued by insurers, it is possible to fight back after a denial.
Call an attorney to learn how. A compassionate attorney can help you thoroughly review your claim to either avoid a denial or help to understand the reasons behind a denial. Call to set up a free consultation.
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