When you are diagnosed with a serious medical condition that will put you out of work for months or even years, your family needs to know that your long-term disability plan is going to pay. You can not afford to go without income, but unfortunately, many large employer-sponsored disability plans routinely deny claims for benefits, and for questionable reasons.
At the Law Offices of J. Price McNamara, we will not stand for unfair denials. We represent everyday people who have been denied their hard-earned long-term disability (long-term disability) benefits. Call our New Orleans Long-Term Disability Lawyer today if you have been denied.
A long-term disability insurance policy is a plan that allows you to pay a premium each month (often through payroll deductions), in exchange for a guarantee that if you should become seriously disabled and unable to work, you will be able to collect a percentage of your regular salary for a predetermined amount of time. These plans are designed to help injured or disabled employees get by until they are able to return to work, and most are governed by the Employee Retirement Income Security Act of 1974 (ERISA).
Under ERISA, the federal government provides specific legal protections for workers who are insured through employer benefit funds. If you apply for benefits, the provisions of your long-term disability (long-term disability) policy will control the basic elements and requirements. However, federal law requires these insurance carriers and employer administrators to treat consumers fairly and not to deny claims for frivolous reasons. Likewise, you have certain rights to appeal a denial. Some rules may vary slightly from one plan to another, but in general, you will have just 60 days to appeal a decision denying you coverage.
If denied benefits under your employer’s long-term disability plan, you need to act quickly. It is not enough to just write a letter to the plan administrator objecting or arguing your position. Federal law requires you to first exhaust all contractual options provided through your plan before you can file suit against the insurance carrier or the employer for unjust denials. If you do not first jump through these contractual hoops, which are commonly referred to as “administrative remedies,” then you could potentially forfeit your right to file a lawsuit.
At the Law Offices of J. Price McNamara, we can review your denial letter and the medical evidence that you have obtained thus far, and provide you with a clear understanding of why you were denied and what it may take to overcome the denial. But the longer you wait, the harder it is to obtain a successful outcome. Therefore, you should contact our firm right away so we can begin building a strategy to get your denial reversed and get you the much-needed benefits you deserve.
For a free consultation with our New Orleans Long-Term Disability Attorney, call us today. With offices located throughout the country, we never collect an attorney fee unless we succeed at getting you the long-term disability benefits you have paid for and earned.
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.
Complete the confidential form below for a free, no obligation case evaluation and we’ll tell you how we can help.
You may also call us at the number below. J. Price McNamara and his legal support team are focused on building a strong case for you.
How did we do?
Note: Your review may be shared publicly.