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