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.
People take out a life insurance policy in hopes that they will have a little peace of mind when they pass away. The purpose of life insurance benefits is to provide the beneficiary or beneficiaries under the policy with compensation when the insured passes away. During his or her lifetime, the insured pays premiums on the policy, in order to keep the policy active.
In some instances, however, insurance companies decide to deny a claim made by a beneficiary for life insurance benefits. When that happens, the beneficiary has the option of appealing the insurance company’s decision. If the insured maintained a life insurance policy through his or her employer, it is likely that the Employee Retirement Income Security Act of 1974, otherwise known as ERISA, applies.
The Houston life insurance appeal lawyers at the Law Offices of J. Price McNamara can assist you with appealing a benefits denial. Please contact us online today for more information and to schedule a free case evaluation and legal consultation.
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.
Claims for life insurance benefits may be denied for a variety of reasons. In some cases, insurance companies allege that the insured made a material factual misrepresentation on his or her initial application papers. For example, the insured may have failed to disclose a medical condition that was pre-existing or may have misstated facts about his or her age, weight, height, medical condition, or other personal information.
The insurance company may also deny a life insurance benefits claim if the insured‘s death fell within an exclusion under the policy. Exclusions sometimes include deaths that occur by self-inflicted injuries or suicide. In those instances, the insurance company may deny a claim for benefits under a life insurance policy made by a policy beneficiary.
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.
If a life insurance company decides to deny a claim for benefits, it must send out a letter explaining why the claim is being denied. The insurance company is then required to allow at least one opportunity to administratively appeal the denial decision.
If the life insurance policy is covered under an ERISA plan that was sponsored by the insured’s employer, and you have exhausted all of the administrative remedies, you may be able to file a lawsuit against the insurance company in federal court. Since ERISA is a federal statute, the federal court system is the proper venue for the case to proceed. In federal court, a judge, not a jury, will decide whether you are entitled to recover benefits under the policy.
Filing an administrative appeal and/or an appeal in the federal court system can be complicated, and federal court appeals can take a significant amount of time. A Houston life insurance appeal lawyer will be with you every step of the way, can assist you with filing the necessary documentation, and can represent you at all court proceedings.
At the Law Offices of J. Price McNamara, our team can help you appeal a denial of life insurance benefits. To schedule a free case evaluation and legal consultation with a knowledgeable Houston life insurance appeal attorney, please contact us online today.
How did we do?
Note: Your review may be shared publicly.