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.
An illness or injury that affects or removes a person’s ability to work might have a long-lasting effect upon their life, both financially and personally. Whenever a worker has a short-term disability insurance policy, that coverage might provide essential income during a time of need.
The insurance companies that administer these policies often make their profits by collecting premiums but denying claims. This could negatively impact a policyholder’s finances while they are out of work and unable to provide for themselves or their family.
If you are seeking short term benefits after suffering from a debilitating injury or illness, a New Orleans short-term disability insurance lawyer may be able to help. A tenacious ERISA attorney could help you to better understand relevant insurance policies and your legal options going forward.
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.
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.
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.
“Price showed no fear. The only thing I can use to actively describe what I saw that day in court was someone standing there protecting our family and fighting for them at the same time…he took control of the situation and was truthful.”
“It was a smooth process. I didn’t have to guess about what was going to happen next…I was reassured that he was going to do the right thing. I was reassured that he was looking out for me.”
“He was ready to fight for me…I felt like he had my best interest in mind. It wasn’t just for the paycheck at the end.”
“Price worked for an insurance company in the past and now he’s working against the insurance company so it was because of that we trusted that he knew how an insurance company worked and how to fight them.”
“I feel blessed that I can help turn things around for my clients who have been denied that piece of mind of financial stability and we make sure that the insurance company and the court realize that these are actual people, these are families that are suffering greatly.”
I want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of…
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…
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…
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…
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…
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…
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…
My client’s cause for an ERISA accidental death and dismemberment denial lawsuit began when both Esther and her husband were involved in a tragic head-on collision with an 18-wheeler. This tragic accident resulted in severe injuries to Esther, as well as David’s untimely death.
Our client, a young husband with two children, sustained closed-head brain injury as a result of an automobile accident. The at-fault driver’s insurance company initially refused to pay, but shortly before trial, agreed to pay the entirety of its insurance policy limits of $2,000,000.
Our client was a floor hand and Jones Act seaman who suffered a shoulder injury while working for Blake Offshore, LLC. Suit was filed in federal court in New Orleans. Blake and its insurance company offered relatively little in settlement, so the case proceeded to trial.
Our client sustained a fractured hip and reduced ability to earn wages in the future as a result of an accident sustained on the offshore drilling rig to which he was assigned. Suit was filed in federal court in New Orleans.
Essentially, a short-term disability insurance policy provides payment to workers who are left unable to perform their jobs as the result of an illness or injury. In some ways, this is similar to a workers’ compensation policy.
It should be noted that a key difference is in how the incident occurs. While a workers’ comp policy provides protection in case of an on-the-job incident, short-term disability policies cover any injury or illness that does not happen while at work. This injury may also be either physical harm or a mental health issue, so long as it is so severe that it prevents an employee from returning to work.
The duration of missed work needed to receive benefits varies policy-by-policy, as does the potential length of any available benefits. A short-term disability insurance attorney in New Orleans could help examine the terms and nuances of a specific policy and evaluate any reasons for the issuance of a denial letter.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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While it may be disheartening, a denial of an application for short-term disability benefits does not mean that a person cannot ever receive aid. A denial letter must provide a written reason for the denial, as well as instructions for how to file an appeal.
A federal law known as the Employee Retirement Income Security Act (ERISA) states that all employer-provided benefit plans should maintain and follow an internal appeals process for all insurance disputes. Since many policyholders request benefits through their jobs, it is likely that ERISA is relevant in many cases involving short-term disability insurance.
ERISA often requires a claimant to exhaust all internal appeals processes before asking a court to intervene, which often greatly extends the duration of the dispute process. In response to this, a tenacious and hardworking attorney could help an applicant in New Orleans identify and then progress through the necessary appeals processes for short-term disability insurance.
Once in court, a plaintiff seeking short-term disability payments could refer to the outlined benefits listed in their policy that their insurance company was supposed to pay. Under certain circumstances, a person might also allege that an insurance company acted in bad faith by violating Louisiana Revised Statutes §22:1973. Either method might result in a successful collection of benefits, and an ideal course of action could be discussed with legal counsel.
Many employers use short-term disability policies to lure top talent to their organizations. Unfortunately, a claimant actually filing for benefits due to a short-term disability might encounter numerous obstacles, which may include questions of whether the injury was work-related or if the incident occurred before the policy took effect.
Whether helping to gather essential evidence for a claim or working to file an appeal of a denial, a New Orleans short-term disability insurance lawyer might prove to be a valuable asset who could protect your legal rights. To get started on your claim, call today.
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