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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 ERISA Life Insurance Benefits Lawyer

Planning for the future often involves purchasing a life insurance policy for many people. These policies provide the loved ones or beneficiaries of a policyholder with a sum of money when they pass away, and this money is often used to cover funeral expenses and other costs associated with the death of an individual.

Unfortunately, insurance companies often attempt to avoid paying beneficiaries the money they are entitled to, and they will frequently look for any excuse possible to deny benefits. This can be frustrating, but by working with a Louisiana ERISA life insurance benefits lawyer, you may be able to obtain the benefits to which you are entitled. A dedicated ERISA attorney could fight for 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.

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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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The Role of Exclusion Clauses

Under ERISA regulations, insurance companies have a right to include exclusion clauses in their policies. These clauses can explicitly and implicitly prevent a person or their beneficiary from receiving coverage if they engage in certain risk-taking behaviors.

For example, the beneficiary of a person who scuba dives regularly or climbs mountains may be unable to obtain their insurance payout if they are killed while engaging in one of these activities. In general, most insurance policies would not pay a beneficiary if the policyholder dies in one of the following ways:

  • Drug or alcohol abuse
  • Suicide or self-injury
  • Private plane crash
  • Illegal activity
  • Act of war

 

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

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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)

It is also important to note insurance companies often deny benefits to policyholders who misrepresent their age and health condition or engage in dangerous activities. Some insurance companies still offer coverage to these types of individuals, but they can—and usually do—charge much higher rates.

The Significance of the “Contestable Period”

Life insurance typically does not cover a policyholder until a certain amount of time has passed, usually two years after they initiate the policy. This timeframe is known as the “contestable period,” and if a policyholder dies during this time, the insurer is not legally required to pay benefits to their designated beneficiary. To make matters worse, the process of filing a claim is often so complicated that many policyholders do not know what steps to take to expedite this period.

This, unfortunately, means insurance companies—even those overseen by ERISA—often deny claims based on the smallest filing mistakes. Some companies even go as far as to deny a claim without telling the beneficiary of the policyholder a mistake exists or a specific document has not been received.

Claims of Omission and Misrepresentation

Life insurance companies deny benefits claims for a myriad of reasons, but one of the most common reasons is an omission. Often, if an insurance company believes a person forgot to disclose or intentionally omitted certain information when purchasing a policy, they have a right to deny the claim of their beneficiaries.

For example, if a person drowns, their insurance company may attempt to avoid paying benefits to their beneficiary if they forgot to disclose they suffered from an unrelated medical condition, such as depression or high blood pressure. Insurance companies can also deny a claim if they believe the policyholder misrepresented themselves in any way.

Since insurance companies are notoriously difficult to deal with, it may be wise for many individuals to seek out assistance from a Louisiana ERISA life insurance benefits lawyer after they receive a denial.

Let a Louisiana ERISA Life Insurance Benefits Attorney Help

Life insurance is far more complicated than many people realize, and if the insurance company denies your benefits, it can feel as if you have nowhere to turn. Fortunately, you may be able to take legal action against an insurance company, even if it denied your initial claim. Get in touch with a Louisiana ERISA life insurance benefits lawyer to speak with a legal professional about your options.

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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