If you have discovered that you will be out of work for an extended time due to illness or injury, you may have a right to receive income replacement through a long term disability insurance policy (long term disability Insurance) with the help of our Shreveport Long Term Disability Lawyer. Many Americans are covered by employer-sponsored long term disability insurance policies, and some do not even know it.
However, it is not uncommon for these insurance companies to deny claims outright, even for no good reason. Insurance companies know that most people will simply accept their denial and move on. For the handful of people who fight back, the Law Offices of J. Price McNamara may be able to help obtain the hard-earned benefits that have been earned and paid for through payroll deductions.
Under the federal law called the Employee Retirement Income Security Act of 1974 (ERISA), you have a right to appeal a denial of an employer-sponsored long term disability or short-term disability policy. This law requires employers to responsibly manage funds collected through payroll deduction. It also requires them to pay valid claims in a timely manner.
Some of the most common reasons for a claim denial are:
For technical denials (denials based on paperwork or deadlines), the solution may be as simple as making a few corrections. In a substantive denial (due to inadequate medical evidence), you may need to follow-up with the right kinds of medical providers or submit additional documentation to verify your eligibility under the insurance policy.
A long term disability insurance policy is a contract that sets forth the terms of what qualifies as a disability and how long you must be disabled in order to receive payment through the plan. Generally, there are two periods of time you should be aware of:
If you have been unfairly denied long term disability insurance coverage, call the Law Offices of J. Price McNamara today to schedule a completely free consultation with our Shreveport Long Term Disability Lawyers near you.
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 so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
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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 to address all of my questions and/or concerns.
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 wants a top-notch attorney who gets results.
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 company knew that it was their fault but of course tried passing the buck. Mr.
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 something or someone else, don’t hesitate to call him.
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