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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.

ERISA Disability Application Process in Texas

Many households today are living paycheck to check. Missing a single pay period could send them into a downward spiral of financial ruin. If you are an income-earner with a medical disability, you know how important your earnings are and how overwhelming it can be to not know if you will receive your next paycheck.

Disability benefits were created for times like these. However, disability benefits can be extremely difficult to qualify for. Understanding and carefully following the ERISA disability application process in Texas may increase your chances of approval. In fact, applicants who obtain an experienced attorney to help them with the process may increase their approval odds even more.

 

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.

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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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Understanding ERISA in Texas

The Employee Retirement Income Security Act (ERISA) of 1974 is a federal law. It provides the minimum standards for the majority of pension and health plans within the private insurance industry. It was enacted to help protect the participants in these plans, however, some argue that today it has become more pro-insurance carrier rather than its intended purpose of pro-insured.

For those applying for disability benefits from a private insurance company, it is very likely that the company is governed by these laws. Therefore, it is important to know and understand these laws prior to seeking benefits. A knowledgeable lawyer could help an individual with understanding the ERISA disability application process in Texas.

 

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)

Disability Application Procedure

ERISA disability claims procedures are governed by ERISA law § 2560.503-1. Even still, the application process for ERISA disability in Texas can be long and daunting. The applicant’s job is to clearly show their need for disability benefits while adhering to the application requirements. The following are the general steps in the application process. The first step is to check with the human resource office or with the insurance company directly about how to apply and the possibility of qualifying. Find out how to obtain any paperwork needed.

The next step is to collect any related medical records including lab tests, other test results, and doctors’ notes. Obtaining a doctor’s letter explaining the disability and how it severely impacts the ability to work can help. At this juncture, many applicants choose to consult with an accomplished attorney to help them. The applicant will need to be sure their application is submitted in whatever time frame is given by the insurance company or human resource department.

Once the application is submitted, the third step is for the insurance carrier to review the claim. If they deny the claim, the insurance company must provide a notification of denial explaining their reasons for the denial.

Finally, if the applicant has not previously contacted an attorney to represent them in this matter, it is wise to do so at this point. An attorney may be able to help gather and submit additional information to the applicant’s file to increase the chances of an approval or, if necessary, to have a complete file when it is time to move forward with litigation.

Applicants should also keep in mind that, if approved for disability benefits through their private insurance company, they will also be required to apply for Social Security Disability Income (SSDI) benefits.

Talk to an Attorney About The ERISA Disability Application Process in Texas

If you are struggling with the ERISA disability application process in Texas or want to ensure that your application is accurate and complete before submitting it, an attorney could help. An experienced lawyer knows the ERISA disability application process in Texas and how to navigate it.

A seasoned lawyer has the skills and experience to help you in every step of the disability claims process, from obtaining an application all the way through taking your case to court and everything in between. Call an attorney today to learn more about how they can help with ERISA disability claims.

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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