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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.

Qualifying for Texas ERISA Long Term Disability Insurance

Long term disability (LTD) coverage is a common benefit offered by many employers and sometimes purchased individually. The purpose of such an insurance policy is to ensure you can continue to receive most of your salary if you become physically unable to work.

While this may seem straightforward, qualifying for Texas ERISA long term disability insurance can actually be a long and difficult process without a qualified ERISA attorney’s help. The most important factor is to prove that you meet the definition of disability as provided in your policy contract. You must also adhere to waiting periods and other requirements.

 

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.

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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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Proving a Disability

Anyone who believes they qualify for a disability insurance claim should first consult the summary plan description in the policy. The exact way that disability is defined typically dictate whether or not an applicant has a chance at being approved. In general, most insurance companies state that an employee is totally disabled if they are unable to perform the duties of their own occupation due to an illness or injury.

However, insurance companies are bound to the provisions of the federal Employee Retirement Income Security Act (ERISA) of 1974. This act provides disability applicants with certain rights and outlines the process of applying and appealing a claim.

Some plans may have provisions for a partial disability claim if the applicant cannot work full-time in their own occupation anymore, even if the applicant is capable of working full-time or part-time at another job. Additionally, many insurance carriers require that the applicant no longer be on their employer’s payroll in order to apply for benefits.

 

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)

The Opinion of the Treating Doctor

When it comes to qualifying for long term disability benefits, the most important factor is the opinion of the treating doctor. As a part of the application process, the physician must complete a form or write a statement about their opinion of a disability applicant’s medical condition. While the opinion of this physician is vital to the claim, the claims administrator may also want hard proof of the disability, such as medical records that include all test reports, clinic notes, and surgical reports.

Ongoing Disability

Another key factor to qualifying for Texas ERISA long term disability insurance benefits is the ongoing nature of the disability. It is important that the applicant continues to receive treatment and oversight from their physician during the application and approval process.

Even after an applicant is approved for benefits, they may want to continue any treatments or medical appointments recommended by the treating doctor. Not complying in medical treatment can be grounds for the insurance carrier to stop the benefits.

How a Texas ERISA Attorney Could Help Others Qualify for Long Term Disability Insurance Benefits

Qualifying for Texas ERISA long term disability insurance is often not easy. The process can be frustrating and time-consuming, which is why many applicants choose to have an attorney represent them in their claim.

Our attorneys have experience in dealing with ERISA insurance carriers and may be able to help you qualify for the benefits you have paid for. Your dedicated Texas ERISA attorney could discuss your situation and craft a plan to move forward with your claim. If you need help qualifying for these benefits, call an experienced legal advocate that could help.

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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