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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.

Dallas Life Insurance Denial Attorney 

Helping Individuals in Dallas Resolve a Life Insurance Denial by their Insurance Company

People rely upon life insurance benefits as sort of a safety net when a loved one unexpectedly passes away. However, in some cases, insurance companies wrongfully deny claims for life insurance benefits. 

Insurance companies have one major goal: profit. Paying out excessive claims cuts into this profit, and as a result, insurance companies will use every excuse they possibly can to try and deny coverage or limit the amount of coverage paid. When this happens, family members are often left to foot the bill when a loved one unexpectedly passes away.

If you believe that you have been wrongfully denied life insurance benefits, it is essential that you seek out legal representation from a Dallas life insurance denial attorney as soon as possible. Attorney J. Price McNamara of the Law Offices of J. Price McNamara could help you dispute the denial and take legal action against the insurance company, if necessary. Please contact us online today to discuss your legal options. 

Why do Life Insurance Companies Deny Claims?

Life insurance companies can deny claims for a myriad of different reasons. When it comes to life insurance claims, the State of Texas has something called a two-year “contestable period.” Consequently, if the insured individual dies during the two-year period after he or she purchases the policy of life insurance, an insurance company can subsequently take the time to fully investigate the application of insurance, as well as the circumstances surrounding the decedent’s death.

During this investigation phase, insurance companies will oftentimes look at the insurance application extremely carefully. They will do whatever they can to try and discover questionable misrepresentations in the application and use those as a basis for denying the claim. 

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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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Bases for Denying a Claim

An insurance company may look to any of the following bases for denying an application for life insurance benefits:

  • A pre-existing medical condition which the insured did not disclose in a timely manner
  • Certain activities or behaviors that brought about the death of the insured which are not covered under the insurance policy contract
  • Life insurance claims that were not filed in a timely manner
  • Changing a beneficiary designation shortly before the decedent passed away
  • Incorrectly completed claims applications and forms
  • Disputes as to the actual cause of the decedent’s death
  • Disputes as to beneficiary designations
  • Failing to provide the necessary medical authorizations in accordance with the insurance policy’s express language

Wrongful Denial of a Claim

When a life insurance company wrongfully denies a claim for benefits, this is oftentimes called bad faith. There are several ways in which an insurance company could act in bad faith, including:

  • Failing to pay a valid claim in a timely manner
  • Insisting on unreasonable or irrelevant documentation
  • Failing to pay a claim that was clearly covered by the policy
  • Lowballing the settlement amount

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)

Speak with a Dallas Life Insurance Denial Lawyer Today

If you believe that the insurance company has wrongfully denied your life insurance benefits, it is important that you seek experienced counsel to represent you. Lawyer J. Price McNamara of the Law Offices of J. Price McNamara could assist you with challenging a life insurance claim denial.

To schedule a free legal consultation and case evaluation with an experienced Dallas life insurance denial lawyer, contact us online today for more information.

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