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.
Suffering a debilitating injury can be overwhelming but when you are faced with having to prove that your disability fits squarely into a certain definition to receive insurance benefits, it can be even more disheartening. However, there are attorneys who can help you evaluate your injury to determine whether it should be defined as a long term disability.
Defining long term disability in Louisiana depends on several different factors that involve a legal as well as a medical analysis of the facts. Because of the complexity of this process, working with an attorney for a thorough analysis may be helpful.
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.
The definition of long term disability is slightly different depending on the terms of the governing insurance policy. While the precise definition of long term disability can vary, there some common standards.
Many policies will consider an individual to have a long term disability when they are unable to perform their most recent job. However, other policies define a long term disability as the inability to continue working in any position that would be appropriate given an individual’s training, education, and experience.
Our number-one goal is getting you and your family back to financial security as soon as possible.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
The conditions that qualify for long term disability coverage will vary depending on terms of the controlling policy. Common claims for long term disability are based on the following types of medical conditions:
Unfortunately, some disabilities, although debilitating, are specifically excluded from an insurance policy’s definition of a long term disability. Pre-existing conditions, meaning those that were discovered, diagnosed, or treated prior to the beginning of the coverage are usually not covered. Making a determination of whether the disability at issue was pre-existing will depend on the individual facts and circumstances of each case.
If an individual’s medical condition is mental in nature, coverage will likely be limited. Anxiety, depression, and dementia are examples of mental conditions that may result in limited coverage. Conditions related to alcoholism or substance abuse may also have limited or no coverage under long term disability insurance.
Individuals seeking long term disability coverage will need to have medical records to substantiate their claim. Any medical tests, evaluations, or reports will be helpful to establish the existence of a long term disability as defined in a policy. A legitimate disability without sufficient supporting evidence may not be recognized.
Long term disability benefits are not paid out immediately after a diagnosis. There is generally an elimination period imposed before the insured can collect long term disability. The individual must remain disabled and unable to work for the duration of that period. Elimination periods vary by policy, but typically last between three and 12 months. If the insured no longer meets the definition of a long term disability at the end of the elimination period, they may not be entitled to receive benefits.
Long term disability insurance ends upon the occurrence of certain events including:
If you have questions or concerns about whether your injury or medical condition is a long term disability as defined in your insurance policy, a knowledgeable attorney is here to help. They can review your claim to help determine your options.
To schedule a meeting with one of a well-versed Louisiana attorney to discuss your long term disability, call today. A lawyer can work with you in defining long term disability in Louisiana to help clarify whether your injury qualifies.
How did we do?
Note: Your review may be shared publicly.