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.
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.
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 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.
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.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
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.
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.
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.
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