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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.

Louisiana Administrative Appeal Lawyer

If your initial ERISA disability claim has been denied, you have reached a critical juncture in the claims process. You may feel discouraged, and understandably so, but you still have the opportunity to obtain the disability benefits to which you are entitled. You have the right to file an administrative appeal.

Precision and timing are of the essence. You do not have to go through the appeals process alone – in fact, you probably shouldn’t. The experienced ERISA attorney J. Price McNamara can work with you to ensure that you have perfected your disability claim in accordance with the recommendations of your ERISA plan administrator. Having a qualified ERISA attorney in your corner is the surest way to protect and assert your rights while the opportunity is still open to you.

 

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.

FREE CASE CONSULTATION

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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What is an Administrative Appeal?

The administrative appeal is the single most important factor in your ability to obtain disability benefits after your initial claim has been denied. The appeal is not simply a letter explaining why you believe the decision should be overturned, nor is it something that can generally be amended once it has been submitted for review. Each ERISA plan has its own appeals process, which is explained in the official plan document. Your administrative appeal must follow this process precisely. The failure to do so will almost certainly prevent you from collecting your benefits, either through the appeals process or future litigation.

 

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)

Your appeal should be comprehensive and exhaustive. It should include:

  • All information and documentation requested in the document notifying you of your claim denial.
  • Detailed medical information supplied by your doctor.
  • Certified statements by your doctor and, if possible, other doctors that can corroborate his or her opinion.
  • Articles regarding your condition from medical journals and other reputable publications.
  • References to specific provisions in the official plan document relevant to your appeal.
  • A thorough, well-supported explanation as to why the decision to deny your claim was incorrect. The fact that your doctor has declared that you are legitimately injured and cannot work is not, by itself, sufficient evidence that you should receive disability benefits.

Discovering Important Evidence in Louisiana

You most likely will not have the opportunity to amend your appeal with this evidence or any other documentation or information. Essentially, you get one chance to present the strongest evidence possible of your disability, and this is it. Furthermore, if you fail to provide the requested documents and information, it is highly unlikely that you will be able to introduce this evidence before a judge if your appeal is denied. There are special circumstances under which the court may allow the submission of such evidence, such as when it was originally excluded as a result of a due process violation. However, these instances are extremely rare.

Filing a Lawsuit to Dispute Denials

You cannot file a lawsuit to dispute the original claim denial. You can file a lawsuit to dispute the appeals denial, however. The appeals process as outlined by the official plan document is not optional. It is a non-negotiable prerequisite to initiating litigation.

What is the deadline for filing an appeal?

You have 180 days from the receipt of your claim denial to file an administrative appeal.

Filing an Appeal Without an ERISA Lawyer

You can, but you should be aware that you will have a complicated, time-consuming task ahead of you if you do. An experienced ERISA attorney will have arranged appeals according to a wide range of plans, including those administrated by powerful insurance companies. You won’t have to worry about gathering medical evidence, writing the letter of appeal, or making sure that you have supplied every single document required by the official plan.

An ERISA attorney will also be able to determine whether the information provided by your doctor is sufficient and whether it is presented in language that your plan administrator will find appropriate and acceptable.

Remember that your plan administrator, especially if it is an insurance company, has extensive legal and medical resources at its disposal. There is strong financial incentive for your administrator to deny your appeal, and you can be certain that the documents you provide will be scrutinized in search of reasons to do so. Further, your administrator knows that if there are flaws in your appeal, you probably won’t have sufficient evidence to win a court case, even if you decide to hire an attorney at this point.

On the other hand, if you hire an ERISA attorney, your plan administrator will know that any subsequent litigation will be hard fought and require a fair amount of time, money, and resources. While your appeal may still be denied, you will definitely be improving your odds that you will be awarded the benefits you deserve.

Contact an Experienced Louisiana Administrative Appeal Lawyer

The first step toward ensuring the preservation of your rights is to arrange a free case evaluation with J. Price McNamara, our skilled ERISA attorney. We can advise your of your legal rights and options and help you understand the best course of action in your case.

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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