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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 Long Term Disability Insurance Denial in Texas

No matter your reason for applying for long term disability insurance benefits, you should be able to receive these valuable benefits if you paid the premiums for this insurance. However, finding out that your long term disability insurance benefits were denied can be shocking, devastating, and worst of all, more likely than you may think.

If you are in this situation and wondering how to continue paying your bills while you are unable to earn a paycheck, you are unfortunately not alone. According to the Bureau of Labor Statistics, as many as 70 percent of ERISA long term disability claims are denied.

 

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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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Fortunately, you may be able to appeal your claim denial with the help of an experienced ERISA attorney. In the meantime, reviewing the common reasons for ERISA long term disability insurance denial in Texas can be beneficial before filing your appeal.

The Employee Retirement Income Security Act

The Employee Retirement Income Security Act (ERISA) become federal law in 1974. Enacted to protect the rights and interests of participants in and beneficiaries to health and welfare plans, this law applies to most private sector insurance benefits. It does not apply to employees working for churches, the government, or in Indian tribunes. Under ERISA, if a participant is denied benefits they have certain rights such as appealing the denial and even suing to receive their benefits.

 

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)

Why Are Long Term Disability Claims Denied?

Denials of ERISA long term disability insurance claims occur in Texas for a variety of reasons. Knowing the two most common reasons for such a denial can be helpful in preparing a strong appeal or fighting the denial in court.

Lack of Medical Evidence

Long term disability insurance claims are most likely to be denied due to lack of medical evidence. In an active claims process, the claimant must provide medical records that prove they have an inability to work.

However, most insurance companies have their own medical professionals—who usually have a vested financial interest in claim denials—to review the medical records of claimants. Additionally, many insurance companies may deny a claim with accurate and complete medical evidence in the hopes that the claimant will not pursue any further action.

Claimants planning to appeal their denied claim should be sure that all relevant medical evidence and documentation is included in their file and is completely accurate. Once an appeal is denied, no further information can be added to the file before taking the case to court.

Improper Filing

The ERISA claims process—not to mention individual insurance company requirements—can make the claims process complex and difficult to understand. Sometimes insurance companies take advantage of this fact to deny more claims. Even a small mistake can disqualify a claimant from receiving the ERISA long term disability benefits they are entitled to, making assistance from an attorney specializing in ERISA cases all the more important.

Talking to a Texas ERISA Attorney

If your ERISA long term disability insurance claim was denied, you have the right under the Act’s regulations to appeal your claim and, if the appeal is denied, to file a lawsuit. A skilled Texas ERISA lawyer can review the common reasons for ERISA long term disability insurance denial in Texas with you to help your case going forward.

Despite the high number of denials, it is possible to fight for and win the right to access the benefits you paid for. Contact a knowledgeable attorney today to learn more about your options after an ERISA claim denial.

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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