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.
Many employers offer retirement and disability plans that are governed by the Employee Retirement Income Security Act of 1974. Also known as ERISA, this act offers protections for the plan participants. Participants are often employees of a company.
Disability is something for which every employee should be prepared. Every year, 375,000 Americans become disabled. It can happen to anyone of any age.
You may not think about your employer’s plans until something happens and you need to use them. If you become disabled, you may assume that your claim will be approved and you will receive your benefits. Unfortunately, this is not always the case.
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.
Even if you submit your claim timely and correctly, it will likely be denied. Even though ERISA is in place to protect you, the plan participant, it more often than not sides with the insurer. This means that those who are truly disabled and unable to work are left without income.
This can be a frustrating situation. You could be left unable to pay bills. You may lose your house, car, and other assets. What happens now?
Do not simply ignore the denial. You do have options. Under ERISA, you have the right to file an appeal if your claim is denied. You have 180 days to appeal the claim, which may seem like a lot of time. It is six months.
However, filing an appeal against an ERISA plan can be complicated. Do not do it on your own. Schedule a consultation with an experienced ERISA lawyer today to increase your chances of success.
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 disability appeals can be more challenging than other types of appeals. First of all, judges are likely to rule against the claimant. This is because cases are heard by a judge. There is no jury involved, so you will not have peers who will feel sorry for you or side with your story.
Also, under ERISA, plan administrators are offered “discretion.” This term is used broadly and is often synonymous with “denial.”Another thing to consider is that if the person does win, he or she will not win any extra compensation. For example, attorneys’ fees and punitive damages are typically not available with ERISA claims. Therefore, if you want to pursue a claim, you will be paying the costs on your own. This can be a deterrent, even though many ERISA lawyers work on contingency.
Unfortunately, the disability claims process can be frustrating, adding insult to injury. If your claim has been denied for no good reason, do not give up. You may think there are no other options available, but there are.
Do not be afraid to appeal your disability claim. The appeals process is not that hard when you seek legal help. A Charlotte ERISA lawyer from the Law Offices of J. Price McNamara can help you with your appeal. He will fight for your rights. To schedule a free consultation, contact our office today.
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