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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 Lawyer

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.

It is not uncommon for 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 those 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.

 

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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What Law Applies to Long Term Disability Insurance?

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.

 

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)

Why do long term disability Insurance Claims Fail?

Some of the most common reasons for a claim denial are:

  • Failing to file paperwork on time
  • Filling out forms incorrectly
  • Not using the correct forms
  • Missing deadlines
  • Inadequate medical evidence
  • Physician’s report does not address the legal issues surrounding your disability

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.

How do Long Term Disability Insurance Policies Work?

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:

  • Elimination Period.  This is effectively a waiting period before you can begin getting payments. It usually ranges from about 30 days up to six months. Typically, you will pay more in premiums to get a shorter waiting period. If you have a 90-day elimination period, it just means you must have a continuous and ongoing disability that has lasted for at least 90 days before the plan will pay. In most cases, your employer will also offer a short-term disability plan that can begin paying quickly and cover you until your long term disability benefits kick in.
  • Benefit Period. This is how long you can receive benefits from a long term disability insurance plan.  Again, you can often choose a more generous plan with a longer payout period or a more affordable, shorter benefit period. Benefit periods can be as short as a year and as long as until you retire.

What to do if Denied

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.

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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