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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.

Miami ERISA Lawyer

Claiming benefits under the insurance policy provided by your employer can be frustrating and overwhelming — especially without an experienced Miami ERISA lawyer by your side. J. Price McNamara has to expertise to help you through the complicated insurance claim as well as appeal processes to obtain the benefits you deserve.

 

We answer any questions
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.

FREE CASE CONSULTATION

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.

See How We Have Helped Others In Situations Just Like Yours.

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Employee Retirement Security Act (ERISA)

Federally enacted ERISA was supposed to provide protections for employee pensions and insurance — disability, life, and accidental death and dismemberment (AD&D) — benefits. But it backfired. Instead, employees pursuing ERISA insurance benefits faced challenges from the stringent claim and appeal procedures, while insurance companies that determine who receives the benefits were given more power.

Only insurance policies provided by your employer are subjected to ERISA. Both state and local rules apply to non-ERISA insurance policies. A Miami ERISA lawyer can review your insurance policy as well as help you obtain the benefits you deserve.

 

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

Contact Us Today. We Can Help You.

Free Case Consultation

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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)

Disability Insurance Benefits

ERISA states that your employer or plan administrator — who could be a third party, like an insurance company, or your employer — must provide you, in writing, important information related to your disability insurance plan, such as:

  • Eligibility
  • Claim Procedures
  • Disability Benefits
  • Filing Deadlines
  • Appeal Process

Generally, the Summary Plan Descriptions summarizes this information while the Plan Document offers more detailed instructions and information.

Claims Process

To obtain disability benefits, you must first meet the filing deadlines and follow the claims procedures. You should ensure your claim package if complete before filing it with your plan administrator. Do not assume your plan administrator, who does not have any invested interest to ensure you receive benefits, will conduct a thorough investigation of your claim. Your meticulous Miami ERISA lawyer can help compile an effective and comprehensive claim package supporting your insurance claim.

A written notice of the outcome of your claim will be sent to you. If approved, you will receive your benefits soon after. If denied, the letter will explain the reasons for the rejection and provide instructions for an appeal.

Appeals Process

You can appeal your denial by doing the following:

  • Filing with your plan administrator an administrative appeal
  • Strictly following the appeal instructions
  • Submitting supplemental supportive evidence

You still have other remedies if the plan administrator denies your appeal. After exhausting “all of your administrative remedies,” you can file a new appeal in Federal court. Your Miami ERISA lawyer can package an effective appeal to increase your chances of success.

Life Insurance Benefits Claim

If your deceased loved one has life insurance through his or her employer, you may be able to receive benefits.   These claims, however, are often denied because of the following:

  • Issues over beneficiaries;
  • Information was not disclosed or was misrepresented; or,
  • Ineligibility — for example, your Plan Document may state that you are not eligible for benefits if the cause of death was suicide or illegal drug use.

A Miami ERISA lawyer can review your policy, assess your case, and craft your best strategy for benefits.

AD&D Insurance Benefits Claim

To qualify for AD&D benefits, the employee’s cause of death or severe injury must be from an accident, not a medical condition or other “non-accident.” A Miami ERISA lawyer can evaluate both the facts and circumstances of your injury or the employee’s death to recommend your best available options.

Long Term Disability (LTD) Insurance Benefits Claim

Even non-employer provided independent or private LTD insurance, which is not subject to ERISA, claims for benefits are often denied. Long term disability lawyer J. Price McNamara can review your LTD policy and subsequently determine your eligibility based on your medical evidence. Your supporting evidence must prove that, depending on your LTD policy’s definition of “disability,” you cannot work your job or any job.

Bad Faith Claims

If the insurance company did not fairly and neutrally evaluate your denied insurance claim, as it has an obligation to do, you may be able to receive compensation. And if the underlying insurance claim is not an ERISA insurance policy, then you may also receive punitive damages—the award is to penalize the company for intentional and improper conduct. Bad faith insurance lawyer J. Price McNamara can review your underlying claim and help you file and litigate a bad faith claim.

A Knowledgeable Miami ERISA Lawyer Can Help

Whether you are seeking benefits under an ERISA or non-ERISA insurance policy, contact seasoned Miami ERISA lawyer J. Price McNamara at 866.278.8495 for a free consultation.

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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