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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 Lawyer

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.

 

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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How a Short-Term Disability Insurance Policy Works

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.

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)

Protecting a Claimant’s Legal Rights

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.

Let a New Orleans Short-Term Disability Attorney Help

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.

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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