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.
If you have a benefits plan through your employer, then you might have heard of the term ERISA. The Employee Retirement Income Security Act covers employee benefit plans, including long term disability, health plans, pensions, and retirement plans. It has been in existence since 1974.
ERISA does many things. It requires plan sponsors to provide participants with information about the plan. It establishes standards of conduct for those who oversee and administer the plans. Most importantly, it ensures that the funds in the plan are protected so that when a participant needs the money, it is readily available. The funds are protected even if a company goes bankrupt.
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 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.
However, not all plans are covered under ERISA. In order for a policy to be covered, it must be a fund, program, or plan established by an employer or employee organization. It must also be provided to employees and/or their beneficiaries for the purpose of providing benefits for medical issues, disability, accidents, death, unemployment, and vacation.
In 2013, ERISA protected 2.4 million health plans, 2.4 million welfare benefit plans, and 684,000 retirement plans. ERISA is important because it protects plans from abuse and mismanagement. It also holds plan sponsors accountable for their actions. It is enforced by the Internal Revenue Service, Employee Benefits Security Administration, and the Pension Benefit Guaranty Corporation.
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.
While ERISA appears to be very helpful to employees, that is not always the case. ERISA has changed a lot since it was first implemented in 1974. It has, unfortunately, become less and less employee friendly. When ERISA cases go to court, judges tend to side with the insurance company. In addition, these cases now go to federal court, and very few lawyers are familiar with the procedures involved with trying a case in federal court.
In many ERISA cases, there are no trials. Many judges now solely use evidence that the insurance company received before the lawsuit was even filed. This can be detrimental to one’s case, especially if new evidence resurfaced later on.
Even if you do win your case, your benefits will be limited. You are not allowed to receive benefits due to the wrongful denial. Punitive damages are also gone. If you win your case, you will only get your benefits repaid and maybe attorney’s fees if you are lucky.
Although ERISA is supposed to protect employees, disability insurance policies tend to favor the insurer. If you have been disabled due to an injury, you may not receive the benefits you deserve.
If your claim has been denied, do not let that stop you from obtaining the benefits you are entitled to receive. It is time to take legal action with a Raleigh ERISA lawyer. Contact the Law Offices of J. Price McNamara. As a former insurance company attorney, he has knowledge about the process and understands what happens on the other side. He is done representing insurance companies and is ready to represent you. He has your best interests in mind. Schedule a free consultation today by visiting our website.
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