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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 Life Insurance Appeal Lawyer

Assisting Individual in Houston with Appealing a Life Insurance Policy Claim Denial

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.

We answer any questions
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.


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.

See How We Have Helped Others In Situations Just Like Yours.

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Why are Claims for Life Insurance Benefits Denied?

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.

Contact Us Today. We Can Help You.

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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)

Filing an Appeal

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.

Call a Houston Life Insurance Appeal Lawyer about Your Claim Today

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.

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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