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.
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.
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 want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of…
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.
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.
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.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
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.
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.
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.
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