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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 Long Term Disability Insurance Benefits

Whenever an illness or injury that did not occur while on the job leaves a person unable to work, a long term disability insurance plan may provide much-needed income while they recover. As such, it is important to understand what types of benefits these plans may provide and potential hurdles that an applicant may face.

Louisiana long term disability insurance benefits can provide essential income for people forced to miss significant time at work. However, applicants must still meet the requirements to begin the program and provide evidence to support their claims of continued disability. For more information, contact an experienced lawyer today.

 

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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 Basics Behind Long Term Disability Plans

The core prerequisite for any long term disability insurance plan is that an illness or injury leaves a worker unable to earn a living. However, these plans will never cover an injury or illness endured while on the job. These incidents would instead be covered by workers’ compensation insurance.

Common examples of how a long term disability may occur include but are not limited to:

  • Car accidents suffered that are unrelated to work duties, including any that occur while commuting to or from work
  • Illnesses, as well as related physical and/or mental conditions, that leave a person unable to hold any job
  • Slips and falls in retail stores, privately owned property, or even in one’s home

In essence, a policyholder must simply suffer an injury or illness that prevents them from performing any work-related duty to be eligible for long term disability insurance benefits. However, since many such conditions require intensive medical care to properly evaluate a patient’s loss of ability to work, working with an attorney to better understand how these benefits work in Louisiana may be key.

 

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)

Differentiating Between Terms of Individual Policies

Every plan consisting of Louisiana long term disability insurance benefits is unique. Typically, employers provide these plans as a perk or benefit to their employees, and employees are given the option to buy into the plan voluntarily.

Every plan will also have specific triggering terms that signal the issuance of benefits—for example, a requirement that an employee must miss somewhere between three and six months of work before receiving benefits. In essence, a worker must first exhaust all their options for short-term disability benefits before making a long term disability claim.

In addition, plans may differ with regard to their definition of “disabled.” Some plans may state that a worker is disabled if their condition leaves them unable to work their old job, while others may label a person disabled only if they cannot work any job.

Finally, plans differ as to the amount of benefits provided under the terms of the contract, as well as regarding how long they will apply. In general, a long term disability insurance plan in Louisiana will provide somewhere between 50 and 66 percent of a worker’s usual wages for a set maximum number of months. However, other plans provide this income for the rest of the worker’s expected working life up to the age of 65.

Disputing a Long Term Disability Insurance Benefit Denial

Because most long term disability insurance plans are provided by employers, a set of federal regulations known as the Employee Retirement Income Security Act (ERISA) controls all appeal processes. In other words, ERISA regulates virtually all employer-provided benefit plans everywhere in the country.

Normally, a dispute over an insurance plan, including those addressing long term disability benefits, is a matter for a court to decide. However, ERISA rules require an applicant to exhaust all insurance company internal appeals before asking a court to intervene. An attorney could help anyone looking to appeal a denial of long term disability insurance benefits in Louisiana meet all the requirements ERISA establishes for their particular case.

Get Professional Legal Help Understanding Louisiana Long Term Disability Insurance Benefits

Louisiana long term disability insurance benefits can provide essential income in the case of an illness or injury. As long as this incident did not occur on the job, a worker can still collect income while being unable to work.

However, every policy is unique, and requirements for the length of disability, the period of benefits, and even the definition of disability will vary from policy to policy. An insurance lawyer could help you understand these policies and file appeals efficiently after a denial. Call today to find out more about your legal options.

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