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