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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.

Texas ERISA Disability Claim Denial Lawyer

After sustaining an injury or being diagnosed with a condition that requires you to take an extended period of time off from your job, many workers in Texas have disability coverage through their employer. So long as they select the coverage and have paid the premiums with each and every paycheck they received, they typically have faith that their ERISA-based disability claim will be approved.

After some time, your claim may be denied, even though you obtained the necessary paperwork and medical documents. While this may be shocking, you have options that a qualified ERISA attorney could help you pursue. If your claim was denied, a Texas ERISA disability claim denial lawyer may be able to help you appeal that decision and get your claim approved.

 

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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Why are ERISA Disability Claims Denied?

Insurance companies benefit financially by denying claims. Therefore, they often find many reasons to deny disability claims. According to 29 C.F.R. § 2560.503-1 (f)(3), insurance providers must give the claimant their reason for denial—some of which are legitimate, and others of which may not be.

Lack of Data to Support

Claims reviewers must have objective information regarding a claimant’s disability in order to approve a claim for benefits. Depending on the medical condition, this can include doctors’ notes, lab test results, MRI results, and other medical records.

 

Our number-one goal is getting you and your family back to financial security as soon as possible.

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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)

Pre-Existing Conditions

If a claimant received medical treatment for the same or a similar condition with a certain time period prior to the claim as listed in the exclusions portion of their policy, the claim may be denied. On the other hand, a review may deny a disability claim if the claimant waited too long to—or simply did not—seek medical treatment for their problem.

Treatment Deemed Inappropriate

Sometimes an insurer makes treatment recommendations that go against the treating physician’s advice and care. The different treatment approaches can be grounds for a claim denial, as the insurance company can say that the doctor’s treatment is not appropriate. However, as any experienced ERISA disability claim denial lawyer in Texas can attest, this approach by insurers has been largely unsuccessful in cases that result in litigation.

Claims Based on Self-Reported Symptoms

Some disability insurance policies have exclusions that disallow self-reported or subjective symptoms from being used as a basis for disability. Such symptoms can be as common and seemingly innocuous as fatigue and dizziness. However, if this exclusion is not specifically listed in the claimant’s policy, this is not a valid reason for denial.

How a Texas ERISA Disability Claim Denial Attorney Could Help

After a disability denial, a Texas ERISA disability claim denial lawyer from our firm could review all your options with you and help you decide what the best course of action is for you. If that means moving forward to an appeal or even to filing a lawsuit, our experienced ERISA attorneys are here to help.

We want to seek justice for you and see you have financial peace of mind during this difficult time period of your life. Call today to learn more about your options after an ERISA disability claim denial.

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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