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New Orleans Long-Term Disability Lawyer

New Orleans Long-Term Disability Lawyer

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.

What is a Long-Term Disability Plan?

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).

What Does ERISA do for You?

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.

What do You Have to do to Protect Your Rights?

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.

How a Lawyer Can Help

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.

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