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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.

Houston ERISA Lawyer

ERISA, officially known as the Employment Retirement Security Income Act of 1974, is a federal law that regulates the administration of employer-backed benefits. It deals with health insurance, retirement, disability, pension, and any other benefits offered to an employee by an employer.

Although ERISA provides protection to employees, its laws and the policies offered by employers are difficult to understand. Fortunately, if a policy-carrier denies benefits to an employee, the employee has a right to take legal action against them after an appeal is filed. If you recently had your claim denied or you suspect your employer is violating ERISA in any way, you may want to contact a Houston ERISA lawyer.

 

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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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Common ERISA Violations in Houston

ERISA, as mentioned above, is a federal mandate that requires employers to follow certain regulations in regards to employee benefits. ERISA regulates everything from claim processing times to the steps involved in an appeal and if a company does not follow ERISA regulations, it can face serious criminal and civil penalties. ERISA also states that employers must provide their employees with an adequate amount of information about their plans.

 

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)

Individuals may need to consult a Houston ERISA lawyer if one of the following situations arises:

  • A claim is denied for no reason or for obscure reasons
  • An employer changes coverage options without telling their employees
  • An employer takes investments into consideration when making benefits decisions
  • An employer fails to provide an employee with information about their benefits and how they work
  • The carrier of a plan takes longer than usual to issue a claims decision

All of the actions above violate ERISA and it is possible for a person to take legal action against an employer if they have experienced any of them.

Short and Long Term Disability

As mentioned above, ERISA also covers both short and long term disability benefits if they are provided by an employer. These benefits, unlike workers’ compensation, provide compensation to a worker if they are injured or become ill outside of work and are unable to return to their job. However, to qualify employees must work for an employee for a certain period and disability coverage is usually only available to full-time employees. If a disability claim is approved, an employee will usually begin to receive a certain percentage of their salary on a monthly basis until they are able to return to work.

Unfortunately, obtaining disability is not always easy and insurance companies often deny claims for a variety of reasons. Even when an employer-provided plan pays benefits, the carrier will usually attempt to provide the benefits for the shortest amount of time possible.

ERISA and Retirement Funds

ERISA requires employers to follow strict investment guidelines and regulations for retirement benefits, but some employers simply refuse to adhere to these regulations. This is unfair to workers, but there may be a way to hold an irresponsible employer liable for their actions.

If a claimant is wrongfully denied their retirement or pension funds, they may need to take legal action. Often, claimants are denied access to their funds because of a miscalculation of service time and the actions of their employers and filing an appeal can help them get the benefits they deserve.

How a Houston ERISA Attorney Can Help

If you believe your employer-sponsored plan has failed to provide the coverage it promised or if you believe your employer has violated ERISA, there is no need to despair. ERISA allows employees to file suit against their employers and plan carriers and you may still be able to obtain the benefits you deserve.

Call a Houston ERISA lawyer to schedule a consultation. They can sit down and help you fully understand your claim to help you determine your next steps.

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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