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.
Whether you were diagnosed with a long-term illness or were severely injured, the thought of not being able to work for a long period of time can be a daunting one. Financial concerns may run rampant in your mind as you wonder how you will make ends meet.
If you are one of about 50 percent of employees in the United States with long term disability coverage, you may be breathing a sigh of relief. However, just having access to this coverage may be not enough. In order to obtain these benefits, you must prove to your insurance company that you have an impairment that will hinder you from doing your job.
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.
Proving this fact could be more challenging than it sounds, as the majority of Texas disability claims are denied on the first attempt. If insurance benefits restrictions and limitations in Texas are hindering you from obtaining the long term disability insurance benefits you have worked for, a seasoned ERISA attorney may be able to help you.
Employees who have welfare and pension benefits through a private employer or through a union have benefits that are most likely subject to the Employee Retirement Income Security Act, or ERISA. This set of federal laws was enacted in 1974 to set the standards for private insurance companies and to help protect the insured.
Protections provided under ERISA include requirements placed on plan administrators, providers, and beneficiaries for reporting and disclosure, participation, vesting, plan funding, and benefit accrual. Regulation of the responsibilities of plan fiduciaries and plan administration issues falls to the federal Department of Labor.
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.
ERISA long term disability insurance is often subject to approval based on the insurance carrier’s perception of the claimant’s functional impairment. The term “restrictions” refers to activities that the claimant cannot do, while the term “limitations” applies to activities that the claimant can still do but not at the same frequency, intensity, or duration that they could before becoming injured or ill.
However, physicians do not use this terminology in their daily practice. Instead, they are more likely to simply state that the claimant is disabled and cannot return to work at present. Without physicians using the right framework and terms for insurance benefits restrictions and limitations in Texas, an insurer will almost always deny the claim.
On the other hand, insurance companies may have difficulty connecting an injury or illness to a physical impairment. In fact, linking a medical condition to an impairment is usually a complex legal task. Either way, a qualified lawyer may be able to help a plan holder demonstrate their condition through the proper channels and terminology.
An experienced attorney may be able to help bridge the gap between insurance terminology and physician language, increasing your chances of approval for disability. More specifically, they may be able to help your insurance company understand how your medical condition has led to an impairment that is not conducive to your line of work or, if applicable, any line of work. Call today to schedule a consultation and learn more about insurance benefits restrictions and limitations in Texas.
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