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.
In a matter of seconds, a perfectly healthy person can become disabled. A car crash, slip and fall accident, dog bite, or other types of injury can temporarily or permanently impact every aspect of an accident victim’s life.
A long term disability typically lasts one year or longer. It can be a chronic medical condition that has worsened over time, such as asthma, anxiety, cancer, diabetes, stroke, heart disease, or seizures. It can also be a serious injury from a car accident or other situation. An amputation, back injury, brain injury, paralysis, or nerve disorder can cause someone to be disabled for an extended period of time. A disability that lasts less than one year is typically considered a short-term disability.
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.
So, what happens in these cases? Many employers carry disability coverage for their employees. If you are self-employed, you may have your own disability plan to cover medical expenses in the event of an accident. These plans are typically covered by a federal law called the Employee Retirement Income Security Act (ERISA).
ERISA was implemented in 1974 to provide protection for participants of employer-sponsored benefit plans. ERISA holds plan administrators accountable for their actions and ensures that your funds are available to you when needed.
However, this does not mean that ERISA will cover your disability claim. There are many things you should consider when determining whether or not to file an ERISA claim.
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.
Disability policies vary from one plan to another. Therefore, one thing you should consider is your plan’s definition of disability. It can be broad, though most of the time, the definitions are quite narrow. For example, disability may be defined as the inability to perform the duties of your usual occupation. After a few years, this definition may change to “any occupation.” Therefore, it is not uncommon for those who are disabled to suddenly lose their benefits after two years or so because they are no longer eligible.
It is also important to understand that a waiting period will apply. This period ranges from 90-180 days. During this time, you can receive short-term benefits or elect to use your vacation time.
When you apply for long term disability benefits, the insurance company will want to know your every move. They want to find any reason to deny your claim, so be prepared for investigators stalking you or following you while you are running errands. Be sure you are following doctor’s orders during this time. You do not want to hurt yourself or damage your claim.
Although ERISA is supposed to protect employees, disability insurance policies tend to favor the insurers. If you have been disabled due to an injury, you may not receive the benefits you deserve.
If your valid disability claim has been denied, it is time to contact a Lafayette long term disability lawyer. Contact the Law Offices of J. Price McNamara. He knows ERISA claims inside and out and is ready to represent you. He can help you understand your options. Contact our office to schedule a free consultation today.
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