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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.

Nashville Long Term Disability Lawyer

Nashville, TN is quickly becoming a boomtown in the region, with thousands of new jobs being added in recent years. Downtown Nashville is seeing a steep increase in the number of high-tech and well-paying jobs. Many employers use competitive and generous benefits packages to recruit highly skilled workers. One common part of many employer benefit plans is a long term disability (LTD) plan.

Sadly, a lot of people do not really understand how these plans operate until they need to use them. Many people are denied their benefits when they need them most This can be especially devastating for single-income families that depend on every paycheck to meet their financial responsibilities.

 

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.

Client Testimonials

Our Testimonials

If you have been denied LTD benefits in Nashville, TN, call the Law Offices of J. Price McNamara today to get aggressive legal representation. Our firm will carefully evaluate your LTD benefits denial to see whether the denial was justified or not. People are often surprised to realize just how common unfair and improper denials really are.

Why are LTD Benefits Denied?

There are typically two broad categories of denials that people can receive. These are either “technical” or “substantive” denials. Regardless of why your LTD benefits have been denied, time is of the essence. Your plan contract will likely dictate how long you have to file an appeal. If you fail to meet contract terms, you could forever lose your right to benefits. When you and your family are out of work and depending on your insurance policy to kick in, you can not afford to let too much time go by. Give the Law Offices of J. Price McNamara a call right away for a completely free case evaluation.  

 

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.

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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)

What Does the Law Say About LTD Benefits?

Although not all long term disability plans are governed by federal law, the fact is that most are. If you work for a large employer, a school district, a union, or a government agency, chances are you are covered by a law known as the Employee Retirement Income Security Act of 1974 (ERISA). This complex federal legislation includes a wide range of protections for employees.

Ways that ERISA Protects Employee Benefits

An LTD disability plan is designed to provide you a regular paycheck while you are out of work due to a long-term disabling condition, such as an injury or health problem. Some employers choose to self-administer their benefit plans by pooling premiums and managing the plan funds. Other employers use a third-party administrator (TPA) to handle the routine functions of the plan benefits. In both situations, whoever is in charge of the funds must act in a fiduciary capacity to prudently administer, invest, and pay out plan assets in a way that is in the interests of plan participants. This protects employees from seeing their investments and benefits misapplied and eroded.

LTD Benefit Denials

LTD insurance carriers often use technical denials to quickly and efficiently refuse payments to people, even when there is merit to the claim and the participating employee has dutifully paid premiums year after year. Common technical denials may include:

  • Failure to file a claim within the required period of time after learning of a disabling condition or disease
  • Failure to include the correct type of medical report with your claim
  • Treatment for a related pre-existing condition within 90 days (or other periods of time set forth in the policy) prior to the plan taking effect
  • Failure to use the proper forms
  • Failure to submit medical bills and records with appropriate ICD-9 codes and other diagnostic information

While technical denials are by far the most common, there are also more substantive denials, which may be based on a lack of adequate medical evidence. This does not mean your claim is without merit; it simply means the evidence submitted is not being considered the way it should. In many cases, doctors lack experience writing reports for LTD insurance plans, or the medical evidence does not clearly address your inability to work in your profession.

How a Nashville Long Term Disability Attorney can Help

At the Law Offices of J. Price McNamara, we understand just how important a long term disability plan can be, so we work fast to secure the benefits you deserve. Call us today to schedule a private consultation free of charge.

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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