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.
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.
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 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.
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.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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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 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.
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.
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