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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.

Shreveport Long Term Disability Insurance Denials

Many people in Shreveport reasonably believe that since they pay for long term disability insurance either through work or on their own, they will receive disability benefit payments to make up for lost wages if they become disabled and are unable to work. So, when the insurer they expect to provide those benefits instead denies their claim, the unexpected lack of benefits can be very discouraging.

However, it is important to remember that insurance is a business, and companies often seek to keep their costs low by denying claims, particularly for benefits that may continue over a long period of time. It is even more important to remember that you have the right to appeal an insurance company’s denial of benefits.

 

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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An experienced attorney could assist with the process of handling Shreveport long term disability insurance denials. They could also help you determine what the process actually entails, since the approach to contesting such rejections often differs depending on the type of disability involved as well as the source of the insurance.

Long Term Disability Insurance Through Employee Benefit Plans

The law treats insurance policies differently depending on how they were purchased. For instance, the federal Employee Retirement Income Security Act of 1974—or ERISA for short—regulates the provision of benefits to employees, including long term disability insurance and other types of medical coverage.

Under this law, plans must describe information clearly for plan beneficiaries, and they must have a procedure for appealing denials. If the administrative appeal fails to bring about the desired result, the law gives the claimant the right to appeal the decision in federal court.

 

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 procedure for reconsideration when a claim is denied varies depending on the provisions of the policy. Some plans have two stages of appeal, while others only offer one after a Shreveport long term disability insurance denial.

Either way, it is important to follow the appeal deadlines established in the policy. Even though they are often shorter than the amount of time ordinarily allowed by law, the contractual provisions of the policy will overrule statutory deadlines.

Long Term Disability Insurance Obtained Outside of Work

When someone in Shreveport purchases a long term disability policy on their own or through a non-employment related group, ERISA does not apply. Instead, the provisions of the policy as interpreted under state insurance and contract laws govern the appeal process.

It is usually necessary to appeal a denial first through the insurer before filing a lawsuit in state court. If an insurer’s denial is found to constitute a violation of bad-faith insurance laws, the person seeking benefits may be entitled to receive additional compensation beyond the benefits offered under the policy. Speak with an accomplished lawyer for more information about obtaining disability insurance.

Get Help with Long Term Disability Insurance Denials in Shreveport

Those seeking to obtain long term disability benefits generally must obtain and submit vast amounts of persuasive evidence to support their claim. This evidence may pertain to the cause of the medical condition, the severity, and the impact of that condition on the ability to perform any type of paid work.

Many claimants find it helpful to work with an attorney experienced in handling Shreveport long term disability insurance denials. A knowledgeable ERISA lawyer could assist with preparing and filing forms backed by strong evidence, advocating on behalf of the insured during information negotiations and formal proceedings and analyzing the situation to provide advice throughout the process.

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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