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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.

Oklahoma City Long Term Disability Lawyer

Every year, thousands of Americans are denied their rightful benefits under an ERISA employer-sponsored long term disability plan. If you recently discovered that your employer’s long term disability (LTD) plan has denied you the benefits you deserve, do not take ‘no’ for an answer. Call the Law Offices of J. Price McNamara today. We often help clients secure the necessary payments to salvage their financial futures in spite of serious health problems and delayed payments of their claims.

With offices in Oklahoma City, OK and throughout the U.S., the Law Offices of J. Price McNamara are here when you need us, and all consultations are always free.

 

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.

Client Testimonials

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What is the Process for Appealing a Long Term Disability Denial?

If you recently received a letter telling you your claim for long term disability (LTD) was denied, then you do not have time to waste. You need to get legal representation immediately. Here are the basic steps you should keep in mind when trying to appeal a disability denial from your employer’s LTD plan:

  • Review the Plan Documents: The first step in appealing your denial is to thoroughly review your plan documents. You may have put the policy contract in a file cabinet years ago, so you will want to request a full copy of the plan agreement. This will be a lengthy and very detailed contractual agreement between your employer and the insurance carrier, which outlines the rights and responsibilities of “participants” like you. In this document, there will be a list of procedural steps you need to take once denied.  
  • Administrative Appeals: Almost all LTD plans will set forth a set of administrative steps that need to be taken. We call these administrative steps because they do not involve a court system or government agency in most instances. Instead, they are internal steps that you must complete directly with the insurance carrier or plan administrator. If you do not at least attempt these steps, then you will be considered to have failed to meet the contractual obligations, and it gives them another reason to deny your claim.
  • Exhaustion of Administrative Remedies: For the majority of LTD benefit plans, a federal law called “ERISA” will control how appeals must be processed. Part of the requirement is that you must exhaust administrative remedies. This is a fancy legal term for jumping through all of the internal hoops included in the contract. You can not go directly to court unless you have attempted to resolve the appeal directly through the methods outlined in the plan.
  • Time for Appealing Denials: Under federal law, your employer must give you 60 days (minimum) to file a notice of appeal. Check your plan for the specific time limit that applies to you.

 

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)

What Happens if You are Still Denied?

If you are still denied, even after exhausting all other options through the plan, then you have a right to take your dispute to court. Depending on the insurance carrier and how the plan is organized, this may be in a state court, but in most cases, it will be a federal court action.

Can a Lawyer Really Help?

Absolutely. While some cases are properly denied, many are not. In fact, a large number of perfectly valid claims are unjustly denied. The sooner you speak to an attorney from the Law Offices of J. Price McNamara, the sooner we can begin guiding you through the process and building your case in the event the matter needs to be litigated. So, do not delay. Give our team a 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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