If you have been diagnosed with an injury or illness that is expected to prevent you from returning to work for an extended period of time, you may want to check to see if you are covered under a long-term disability (long-term disability) insurance plan. These long-term disability insurance policies are typically sponsored through employer cafeteria plans, along with health, dental, and short-term disability plans. They are designed to interlock and provide coverage while you recover from an illness or medical procedure.
Sadly, many Americans are unfairly denied these long-term disability benefits, even when they have paid their premiums through regular payroll deductions for years. If you need to use your long-term disability insurance, call our Metairie Long-Term Disability Lawyers at the Law Offices of J. Price McNamara right away. There are specific deadlines and limitation periods that apply to these types of plans, and failure to meet these deadlines can result in a denial of coverage.
Employer cafeteria plans are usually governed by the federal law known as the Employee Retirement Income Security Act of 1974 (ERISA). This law protects employees from irresponsible employers and third-party benefits administrators who might otherwise mishandle benefit funds.
By offering long-term disability insurance (long-term disability) and short-term disability coverage, employers offer their workers two interlocking options if they become sick or injured. Consider a simple example.
A worker is diagnosed with cancer and will require lengthy chemotherapy and radiation treatments that are anticipated to last upward of six months. If successful, it is likely the employee will be too ill to work at a physical labor job until at least a few months after concluding treatments.
Being denied long-term disability benefits can mean not paying the mortgage, missing car payments, and in many cases, people have gone bankrupt due to denials. If your employer’s third-party administrator or long-term disability insurance carrier has incorrectly denied your claim for benefits, you need to act quickly to protect your rights. Call the Law Offices of J. Price McNamara to find out if we can help.
In many cases, we are able to guide families through the appeals process to help smoothly and efficiently get the family’s finances back on track. In other cases, we have had to sue insurance carriers and third-party administrators for acting in bad faith by denying valid claims. The good news is consultations are free, and we only get paid if we are able to get your benefits approved. Call our Metairie Long-Term Disability Lawyer today.
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 so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
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 use him in the future.
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 to address all of my questions and/or concerns.
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 wants a top-notch attorney who gets results.
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 company knew that it was their fault but of course tried passing the buck. Mr.
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 something or someone else, don’t hesitate to call him.
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