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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 LTD Insurance Attorney

Helping Residents of Houston, Texas, Make a Claim or File an Appeal for LTD Insurance Benefits

Long-term disability insurance, or LTD insurance, is an insurance benefit that many individuals receive through a plan that is sponsored by their employers. In most cases, depending upon the insurance company, individuals are eligible for LTD insurance if they suffer from an injury or illness that is long-term, and that prevents them from working in any capacity.

It can be extremely difficult to prove eligibility for LTD benefits. In order to receive these benefits, it is essential that you have an experienced healthcare provider on board who is willing to state, to a reasonable degree of medical certainty, that you suffer from an injury or illness that prevents you from working at any job. 

Also, in many instances, insurance companies deny applications for LTD benefits the first time around, insisting that you must provide additional medical documentation. In that instance, you will need to file an administrative appeal with your insurance company. The Houston LTD insurance attorneys at the Law Offices of J. Price McNamara can assist you with pursuing LTD benefits or appealing a benefits claim denial. 

Please contact us online today for more information and to schedule a free case evaluation and legal consultation. 

Why LTD Benefits Applications are Sometimes Denied

There are several common reasons why LTD benefits applications are sometimes denied. In some cases, insured individuals do not follow the proper protocols for making a valid benefits claim. At other times, the insured does not file his or her claim in a timely manner, and thus, the insurance company denies the claim.

More often than not, however, these claims are denied because the insured fails to provide sufficient medical documentation. In other words, the insurance company denies the claim, arguing that the medical documentation does not support that the insured is suffering from a long-term injury or illness and/or that the injury or illness keeps the insured individual from working in any capacity, at any occupation.

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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What to do if Your LTD Benefits Application is Denied

It is not unusual for a first-time LTD benefits application to be denied. If that happens, you should review the denial letter sent to you by your insurance company for instructions on how to file an administrative appeal with the insurance company. The denial letter will also state the deadline by which the administrative appeal must be filed.

During the administrative appeals process, you will be able to attach additional medical documentation in support of your LTD claim. If the insurance company still denies your application for benefits, you may be able to pursue federal litigation against your insurance company, in which you must name your insurance company as a defendant in a federal court lawsuit. A federal judge will then decide if you are eligible for benefits, and if so, the amount of those benefits.

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)

Speak with a Houston LTD Insurance Attorney Today

The legal team at the Law Offices of J. Price McNamara can answer all of your questions about LTD benefits claims and appeals. To schedule a free case evaluation and legal consultation with a knowledgeable Houston LTD insurance 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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