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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.

Common Reasons for ERISA Long Term Disability Insurance Denial in Louisiana

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.


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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.

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Insufficient Medical Evidence

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.


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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)

Incorrect ERISA Long Term Disability Insurance Filing Procedures

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.

How Can a Louisiana Attorney Help?

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:

  • Carefully examining the argument of the insurance company for any holes or contradictions
  • Evaluating the criteria used by the company to approve or deny claimants
  • Obtaining additional medical testimony from prominent physicians, nurses, or psychologists
  • Examining if the insurer acted in bad faith

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 Many Common Reasons for ERISA Long Term Disability Insurance Denial in Louisiana

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.

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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