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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.

Louisiana ERISA Intoxication Exclusion Lawyer

Generally, insurance companies live up to their policy contracts and pay a total of approximately $40 billion each year in death benefits. Although many insurance claims are accepted and paid, a recent study by the Washington, D.C.-based Doctor-Patient Rights Project revealed that denied insurance claims are on the rise and have tripled to 600 million annually and may be denied for a number of reasons. These reasons could be applied to nearly any type of insurance policy claim governed by the Employee Retirement Income Security Act (ERISA) including, health, auto, disability, and life insurance. Intoxication exclusion is usually highly contested when cited as a rationale behind a denial of an insurance claim. If your insurance company refuses to accept a claim, a Louisiana ERISA intoxication exclusion lawyer may be able to help.

Contact a knowledgeable ERISA lawyer to schedule an appointment. They could examine the case and help research potential legal strategies.


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(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.

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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.

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What is an Intoxication Exclusion?

No matter the type of coverage, insurance policies generally name many different circumstances in which insurance coverage would not apply. Some life insurance policies could have a suicide exclusion, some disability insurance policies may have a preexisting condition exclusion, and almost any type of insurance coverage may include an intoxication exclusion.

When alcohol consumption is allegedly involved in the scenario surrounding an insurance claim, an intoxication exclusion may apply to both private and ERISA-governed insurance plans. Laws allowing intoxication exclusions were originally passed during the 1940s with the goals of discouraging alcohol use, decreasing drunk driving, and saving insurance companies money.


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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)

Currently, 36 states allow insurance companies to have alcohol exclusions in some form. However, even the National Association of Insurance Commissioners voted unanimously to recommend repealing all alcohol exclusionary laws.

Louisiana Intoxication Exclusion Laws and ERISA

Louisiana is among the 25 states in America that generally permit explicit drug and alcohol exclusions in insurance policies, as reported by the National Institutes of Alcohol Abuse and Alcoholism. Louisiana Revised Statutes §22:975 states that insurance companies are typically not liable for any losses that may result from the insured being intoxicated or under the influence of narcotic drugs unless they were prescribed by a doctor.

Although ERISA-governed plans are not forbidden from including an intoxication exclusion, a claim denial based on this exception could contain an arguable case. Even if the insured party had alcohol in their system at the time of their accident or death, an experienced Louisiana ERISA intoxication exclusion lawyer could work to demonstrate that their alleged alcohol consumption had little or nothing to do with their death or injury.

Consulting a Louisiana ERISA Intoxication Exclusion Attorney

Having an insurance claim denied may be quite shocking, especially if it is for a reason you did not anticipate. If Louisiana’s allowance of intoxication exclusion clauses in ERISA-governed plans resulted in your health, life, dismemberment, or disability insurance claim being denied, seek the assistance of a Louisiana ERISA intoxication exclusion lawyer who is well-versed in state insurance regulations. Call today to find out more about the legal services and assistance available to you.

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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