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.
The Employee Retirement Income Security Act often referred to as ERISA, is a federal law passed by Congress in 1974. This legislation outlines specific rules and regulations for employers to follow in regards to employment benefits, as well as penalties for policy providers and insurance companies that fail to adhere to those regulations.
While following the rules outlined by ERISA is extremely important for employers, there are unfortunately still some companies and insurers that attempt to deny coverage to hardworking employees for no reason. There are even some who attempt to make unwise investments with the pensions of their employees.
This type of behavior is not only unfair, but illegal as well, and any company that behaves in this manner should be held liable for it. If you suffer mistreatment like this related to your ERISA-governed policy, get in touch with an El Paso ERISA lawyer to review your legal options. A determined ERISA attorney could advocate for you.
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 want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of…
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.
Employees who offer retirement, health insurance, and/or disability benefits are required to follow ERISA regulations and rules. According to these regulations, employers must provide their employees with an adequate amount of information about their insurance plans and benefits, or they can be held legally accountable for not doing so.
Employers also cannot deny benefits for no reason, breach their fiduciary duties, or change insurance benefits without notifying their employees. They must manage the pension and retirement funds of their employees responsibly, and their investment decisions should never be based solely on these plans.
If an employee suspects their employer is engaging in any of the acts listed above, they should contact the Employee Benefits Security Administration (EBSA). They may do so anonymously if they wish, or through an El Paso ERISA attorney.
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.
ERISA also requires third-party insurance companies contracted by employers to process claims in a timely manner and provide detailed information about submitted claims to claimants. They must adhere to the following regulations when processing claims:
Beneficiaries also have a right to file an appeal if they do not agree with the decision of an insurance company.
Insurance companies must consider a variety of factors when deciding to deny or approve a policyholder’s claim. Whether a claimant followed the proper steps when filing their claim can be very important, since insurance companies have the right to deny a claim if a claimant misses even a single one.
Claimants may also be asked to submit additional documentation from medical professionals such as physicians, therapists, and other healthcare practitioners. Unfortunately, even when a person submits additional documentation to bolder their claim, they can still be denied coverage.
When a person is denied coverage for no reason, they may be forced to return to work before they are fully healed. They may also have to use their own funds to pay for their expenses. Any employee who has their claim denied for no apparent reason should contact an ERISA lawyer in El Paso to see what options they might have to contest that decision.
The Employee Retirement Income Security Act was drafted in 1974 to protect honest and hardworking employees from dishonest employers and insurers. ERISA ensures employees have the opportunity to file an appeal if they do not agree with an insurer’s denial of their claim.
If you believe your insurer denied your insurance claim for no reason or your employer is not managing your pension or retirement funds properly, you have a right to take legal action. Reach out to an El Paso ERISA lawyer today for more information.
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