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.
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.
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.
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:
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.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
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.
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.
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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