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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.

Limestone County Long Term Disability Denials Lawyer

Although the Employee Retirement Income Security Act (ERISA) was designed to protect employees who are unable to work due to illness or injury, filing a claim can be an extremely onerous process, especially because your claim is reviewed by your employer’s insurance company, which has every interest in denying the claim. One oversight—or mistake—can place your benefits in jeopardy and introduce a significant amount of unjust delay.


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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This is why an attorney who specializes in long-term disability/ERISA litigation can be extremely helpful. ERISA attorneys not only know the ins and outs of the application process but are well-versed in dealing with appeals that end in success.

As soon as you are unable to work, contacting a long term disability attorney will help you proceed strategically through every step of the claims process. One of the most important aspects of your application, for example, is to include all of the relevant evidence upfront because you cannot introduce new evidence when you file a lawsuit. In other words, your attorney will “stack the record,” and include all of the relevant medical evidence and other information that is needed to make your application (and, if necessary, appeal) as successful as possible.

No one is more familiar with how insurance companies work in this area than the attorneys at The Law Offices of J. Price McNamara. Having previously worked for insurance companies, we know the intricate ins and outs of how to get the job done for our clients, and we handle cases on a contingency fee basis, so we only get paid if/when you get paid.


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.

Free Case Consultation

Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.

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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)

Why Insurance Carriers Deny Long Term Disability Claims

First and foremost, it is important to understand that the terms and conditions of how and when you can receive long term disability are in large part dictated by the actual plan to which your employer subscribes. For example, many policies dictate that you are only eligible for benefits if your disability is so severe that you cannot work in any occupation for which you are reasonably qualified, and some find ways of reducing your benefits due to external factors, such as if you qualify for or receive Social Security disability income benefits.

Aside from what the plan specifically provides for, insurance companies come up with a number of excuses to deny benefits, for example, finding that there is “not objective medical evidence on file to support disability.” Frequently, companies will send a claimant’s file to independent medical experts, who disagree with the claimants’ doctors that they cannot perform work—even without conducting a physical examination of the claimant.

Other common reasons insurance companies cite to deny benefits include:

  • Your disability does not fit the insurer’s definition of disability:
  • You are not yet eligible to receive long term disability benefits because you are still in the “elimination period” and must first use up all of your short-term disability and sick time before filing for long term disability;
  • You did not also file for Social Security Disability Insurance benefits;
  • Your doctor’s statement was insufficient; and/or
  • You missed the appeal deadline (most plans provide you with 180 days to appeal).

Contact Our Alabama Long Term Disability Attorneys Today: We Work on a Contingency Fee Basis

Under a contingency fee basis, you do not pay your attorney a cent unless you win your case and receive your benefits. Contact us today with any questions you have. We answer all questions FREE OF CHARGE.

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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