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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.

LTD Insurance Denials in Texas

Assisting Texas Citizens with Responding to LTD Insurance Benefits Denials

LTD benefits — better known as long-term disability insurance benefits – can be difficult to come by in Texas. In order for you to qualify for these benefits, you must first meet several stringent requirements. Moreover, insurance companies in Texas are routinely in the habit of denying LTD benefits to individuals, especially the first time around.

If you have been denied LTD benefits after submitting an application to your insurance company, it is necessary that you seek out experienced legal representation for your case. The knowledgeable team of lawyers at the Law Offices of J. Price McNamara can help you respond to LTD insurance denials in Texas.

Please contact us online today for more information and to schedule a free case evaluation and legal consultation. 

What Are LTD Benefits?

LTD benefits are often available to employees through a plan of insurance that is sponsored by their employer. Long-term disability benefits are available to employees on a very limited basis. Specifically, in order for you to be eligible for these benefits, you must be able to demonstrate that you are unable to work in any capacity, as a direct result of a permanent or long-standing injury or illness.

In order for you to satisfy this very high standard, it is necessary that you have a healthcare provider on board in your case. The healthcare provider must support your claim for long-term disability benefits and must be willing to state, to a reasonable degree of medical certainty, that you are truly disabled and cannot work because of the illness or injury from which you suffer.

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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.


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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What Happens When an Insurance Company Denies an LTD Claim?

When an insurance company denies a claim for LTD benefits, there are certain steps that will unfold. First, the insurance company will send you a letter stating the reason for the denial and explaining the administrative appeals process. The insurance company denial letter will also state what types of documentation need to be provided on appeal.

In the case of LTD benefits, it is very likely that additional medical documentation to support your disability, as well as your inability to work, will be necessary. Once you file your administrative appeal with the insurance company, the insurance company will review all of the new medical documentation and make a decision about your eligibility for benefits.

If you still have not acquired LTD benefits and you have exhausted all of your administrative remedies, the next step is to then file a federal court lawsuit, naming your insurance company as a defendant. At the federal court level, a judge, rather than a jury, will make the determination about what benefits (if any) you are entitled to, and the amounts of those benefits.

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)

Call an Experienced Lawyer Today about LTD Insurance Denials in Texas

The legal team at the Law Offices of J. Price McNamara is ready to help you respond to an LTD insurance denial in Texas. To schedule a free case evaluation and legal consultation with an experienced attorney, please contact us online today.

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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