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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.

New Orleans Short-Term Disability Insurance Attorney

Because of the potential for an illness or injury to disable a worker, many New Orleans residents pay for long term disability coverage either through their employer or through a private plan. Unfortunately, while many employees pay for this insurance with the hopes that they will be covered in the event of an accident, some injured workers who file a claim meet resistance.

If you were injured on the job and are seeking aid, a dedicated ERISA attorney could help you through each step of the application or appeals process and work tirelessly to get you the benefits you need.

 

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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New Orleans Disability Eligibility

Eligibility for filing and receiving a claim approval might vary, depending on if a worker has a plan governed by the Employee Retirement Income Security Act (ERISA) or one they purchased on their own. If a claim for long term disability insurance is through an employer, it is likely covered under ERISA. However, long term disability plans usually have strict requirements for claim approval.

Reviewing the summary plan description to find out if a disability meets the outlined definition of disability should be the first step in filing a claim for both ERISA and non-ERISA plans. By working with a meticulous lawyer, an injured worker in New Orleans could determine if they qualify for long term disability insurance.

 

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

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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)

Pre-Existing Conditions

Most long term disability policies exclude any conditions that were present within a certain period—usually 90 or 180 days—before the coverage began. This is because these injuries or illnesses would be considered pre-existing conditions. Unfortunately, if the need for coverage arises due to a pre-existing condition, the claimant is not usually eligible for benefits.

Increasing the Odds of Approval

While approval for a long term disability insurance claim is never guaranteed, there are steps a claimant could take to help increase their chances for success. For example, it might be imperative that the claimant has a statement from their physician affirming the severity of the condition in question, as well as any supplemental medical records needed to back up their claim.

An experienced long term disability insurance attorney in New Orleans could help with obtaining and properly implementing these records into a claim. Additionally, a claimant should always follow their doctor’s advice regarding treatment and care for their condition, both for their own health and to prove that the disability is ongoing.

Appealing a Long Term Disability Claim in New Orleans

Claimants who receive a denial on their first attempt have the right to an appeal. Once a claimant receives the denial letter, they should closely examine the denial reason and note the deadline for filing an appeal.

Deadlines

Under 29 CFR § 2560.503-1, denied claimants have 60 days to file an appeal. Adhering to the deadlines for filing and appealing a claim could be crucial to its success. While there might be exceptions, missing this deadline usually voids the validity of a claim.

Adding to the File

When filing an appeal, it could be essential to add any medical records or information that may be pertinent to the case at that time. Once the file is closed, the claimant can no longer add any prudent evidence. A New Orleans long term disability insurance lawyer could work to ensure that the file includes the right information.

How a New Orleans Long Term Disability Insurance Attorney Could Help

Whether you have already started the application process for a disability insurance claim, need assistance with an appeal, or simply want to find out if your illness or injury is appropriate grounds for long-term benefits, a New Orleans long term disability insurance lawyer may be able to help.

A determined attorney familiar with the claims process should know the tactics used by insurance companies to wrongfully deny claims and could help you combat them effectively. For more information about how seasoned legal aid might be able to help you, call today.

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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