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RECOVER YOUR DENIED INSURANCE BENEFITS

LET A FORMER INSURANCE COMPANY ATTORNEY
GUIDE YOU

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.

El Paso ERISA Lawyer

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.

 

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.

FREE CASE CONSULTATION

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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The Basics of ERISA

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.

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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)

Insurance Company Obligations

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:

  • Insurance companies have 90 days to approve or deny claims related to disability, health, or life insurance
  • If a claim is denied, the insurance company must provide the claimant with a reason for the denial and instructions for filing an appeal by within 60 days
  • If a claimant elects to file an appeal, the insurer must issue a decision within 120 days

Beneficiaries also have a right to file an appeal if they do not agree with the decision of an insurance company.

What Happens When a Claim is Denied?

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.

Contacting an El Paso ERISA Attorney

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.

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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