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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.

Decatur Long Term Disability Appeals Lawyer

If you have suffered from an illness or injury, regardless of whether it was obtained on the job, you may be eligible for long-term insurance disability benefits through your employer’s plan, as governed by ERISA, the Employee Retirement Income Security Act.

However, because these determinations are ultimately left up to the insurance companies that also pay out the benefits, your chances of being turned down for benefits you deserve—and for which you or your employer have been paying premiums—are very high, warranting the assistance of an experienced ERISA attorney in order to ensure that your benefits have not been unfairly denied.


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.


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

At the Law Offices of J. Price McNamara, we are dedicated ERISA attorneys who have committed ourselves to pursuing long term disability claims on behalf of our clients in Decatur and throughout Alabama. We not only offer a free consultation, but answer all of your questions free, and work on a contingent fee basis, which means you do not pay us anything—we are only paid if you are first awarded your benefits.

Why Insurance Carriers Deny Long Term Disability

First and foremost, it is important to understand that the terms and conditions of how and when you can receive long term disability are in large part dictated by the actual plan to which your employer subscribes. For example, many policies dictate that you are only eligible for benefits if your disability is so severe that you cannot work in any occupation for which you are reasonably qualified, and some find ways of reducing your benefits due to external factors, such as if you qualify for or receive Social Security disability income benefits.


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.

Free Case Consultation

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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)

Aside from what the plan specifically provides for, insurance companies come up with a number of excuses to deny benefits, for example, finding that there is “not objective medical evidence on file to support disability.” Frequently, companies will send a claimant’s file to independent medical experts, who disagree with the claimants’ doctors that they cannot perform work—even without conducting a physical examination of the claimant.

Other common reasons insurance companies site to deny benefits include:

  • Your disability does not fit the insurer’s definition of disability:
  • You are not yet eligible to receive long term disability benefits because you are still in the “elimination period” and must first use up all of your short-term disability and sick time before filing for long term disability;
  • You did not also file for Social Security Disability Insurance benefits;
  • Your doctor’s statement was insufficient; and/or
  • You missed the appeal deadline (most plans provide you with 180 days to appeal).

Our Alabama ERISA Attorneys Fight for You at No Cost to You

Many people do not realize that most of the time, even if the insurance company denies your benefits, this does not mean that it is right to do so. It is their prerogative not to pay out benefits. But it is within your right—under the law—to appeal any decision to deny or terminate your benefits, and it does not cost you to fight. Our attorneys work on a contingency fee basis, meaning that we only get paid if you are successfully awarded your benefits.

At the Law Offices of J. Price McNamara, we regularly handle ERISA disability litigation on behalf of our Alabama clients. Contact us today to find out more about our services.

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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