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 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.
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.
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.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
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.
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.
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