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.
Long term disability (LTD) benefits might be vital for injured people who acquired a disability that keeps them from working. If a disabled individual files a claim that their insurance company denies, they might fear that they are out of options. A disability lawyer might be able to provide assistance after a Lafayette long term disability insurance denial.
Experienced attorneys understand what is at stake when an individual is pursuing benefits for disability. Consequently, they could work tirelessly to help you gather additional evidence to support a claim for reconsideration.
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.
An LTD applicant who receives a denial letter may wish to consider pursuing an appeal. It should be noted that each policyholder’s specific insurance plan should contain information regarding the appeals process that may vary from one plan to another. Given this and other nuances, a person considering appealing a denial may wish to speak to a knowledgeable attorney regarding deadlines and requirements for long term disability insurance.
While providing sufficient evidence is a crucial aspect of the appeals process, many people do not realize that if they file a lawsuit pursuant to ERISA, a judge at a later stage of appeals might not allow them to submit additional evidence for consideration. As an alternative, a judge might only review the records an applicant initially submitted to their insurance company. For this reason, it is notably important to submit medical opinions and reports and all relevant evidence during the initial stage of appeals.
As an example, if an individual has sought medical treatment and complied with a physician’s suggested plan, the related medical records might support a disability claim. A vocational expert might also provide an opinion regarding the job market and an individual’s earning potential, and a disabled claimant may also wish to provide witness affidavits. Speaking with a Lafayette attorney seasoned in handling long term disability insurance denial cases could be greatly beneficial for applicants.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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ERISA mandates that plan administrators have reasonable processes and procedures in place for administrative appeals. Because of this, a claimant must initially exhaust all other options for internal appeals before they can file a lawsuit. ERISA also requires that plan administrators provide notice of denial within a reasonable amount of time, and must note the reasons and provisions on which they made the denial.
As a claimant proceeds through the appeals process, it could be important to have these reasons in writing. While ERISA provides certain protections for claimants, those seeking LTD benefits may also need to adhere to the strict deadlines and procedures under their insurance plan. If a claimant complies with procedures and requests, undergoes each step of the appeals process, and still receives an unfavorable result, they might still be able to demand Lafayette long term disability benefits through a lawsuit following their insurance denial.
If you are seeking aid after an injury or illness and were denied benefits, consider contacting a lawyer who is experienced with Lafayette long term disability insurance denials. You deserve to have another opportunity to pursue your needed benefits, and a proactive disability attorney might be able to help gather the necessary evidence to file a persuasive appeal.
To have the best chance of success, it could be important that you are aware of your options and the proper methods available for pursuing. To learn more about how you might continue seeking LTD benefits, call today.
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