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RECOVER YOUR DENIED INSURANCE BENEFITS

LET A FORMER INSURANCE COMPANY ATTORNEY
GUIDE YOU

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.

Lafayette Long Term Disability Insurance Denials

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.

 

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.

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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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Administrative Appeals on Long Term Disability Insurance Claims

 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.

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)

Following Guidelines for LTD Claims in Lafayette

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.

Speak with a Lawyer About Lafayette Long Term Disability Insurance Denials

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.

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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