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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 Lawyer

Suffering from a serious illness or injury is hard enough to cope with on its own, but when your condition keeps you from working, you may have extra medical bills and no wages to pay those bills. In these difficult times, long term disability insurance is supposed to step in and provide income assistance to help you through.

Unfortunately, insurance is complicated, and it can be tough to tell whether you qualify for benefits and how to prove that you meet the insurance company’s disability qualifications. If your claim is denied or your benefits are discontinued, you may not know where to turn.

 

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 Shreveport long term disability insurance lawyer could help. A seasoned ERISA attorney who understands the problems involved in long term disability insurance cases may be able to assist you in obtaining the appropriate benefits under your policy. Moreover, if your insurer acted in bad faith, additional compensation may be available.

Different Laws for Different Sources of Insurance

Long term disability insurance in Shreveport may be available from a number of sources. Different laws apply depending on the source of the insurance, but the one factor each source shares is that they require the person suffering the disability to endure a burdensome and difficult process in order to prove that their disability qualifies them to receive benefits.

 

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)

Work-Related Insurance

If an employee suffers a work-related injury or illness, long term disability benefits may be available through workers’ compensation insurance, in which case state workers’ compensation laws apply. If the illness or injury occurs outside of the scope of employment or an employee does not have coverage under workers’ compensation, they may be covered by long term disability insurance provided through a group plan their employer offers. In this case, a set of federal regulations known as the Employee Retirement Income Security Act (ERISA) would govern many aspects of the case.

Other Sources of Insurance

If someone suffering from a debilitating medical condition purchased long term disability insurance on their own, state insurance laws would apply, including bad-faith laws. The Social Security Administration also provides long term disability benefits, claims for which are handled through an entirely separate process with a completely different set of laws and procedures. So, it is helpful to work with a skilled Shreveport long term disability insurance lawyer.

What to Do About a Claim Denial

Because the laws governing various plans are different, the procedures for handling the denial of a claim for long term disability benefits also vary. However, it is important to remember that insurance companies routinely deny claims for long term disability benefits, so appealing a denial is standard procedure.

If an applicant is seeking long term disability benefits under a policy your employer-provided, federal ERISA laws require them to exhaust all administrative remedies before filing a lawsuit. This generally results in filing one or two appeals directly with the insurer, depending on the procedures specified in the policy.

Each directly purchased policy also independently governs appeal procedures, but because ERISA law does not apply, it is not always necessary to wait through the entire administrative appeals process before filing a lawsuit. Instead, a claimant may be able to sue their insurer in state court, as opposed to federal court like in a case governed by ERISA.

Speak with a Shreveport Long Term Disability Insurance Attorney

An attorney who understands the issues involved in long term disability insurance cases could assist with a variety of matters, from filing claims and providing documentation to appealing denials. A Shreveport long term disability insurance lawyer could also help if your benefits are delayed or under review.

The insurance system is complicated, and sometimes it seems as though complex procedures were put in place simply to discourage claimants. Fortunately, an experienced insurance attorney could help you navigate the maze to work to obtain your benefits. Call now to get started.

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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