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.
In the United States, most people depend on their jobs to provide them with a livelihood and sense of purpose. Unfortunately, accidents do happen and if a person suffers from an injury or illness that prevents them from working for a considerable amount of time, their employer-provided disability benefits should provide them with a steady income until they are able to work again.
Unfortunately, some workers will have their benefits claims denied by insurers, even when they meet the requirements. If you have been denied disability benefits, a Texas ERISA lawyer may be able to help you obtain them.
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.
Before a person can understand ERISA, they must first understand long term disability and the coverage it provides. Long term disability is often provided at the expense of the employer and when a person sustains an injury that prevents them from working for an extended period, their disability benefits will provide them with financial support.
This support usually amounts to roughly 50 to 70 percent of the income of a worker but it can help them maintain their standard of living and pay medical expenses. Unlike workers’ compensation benefits, which are only provided when a person is injured on the job, long term disability provides benefits when a person is injured outside the workplace. These benefits are usually administered after the short-term benefits of a person runs out, which is usually between 10 and 53 weeks after an injury occurs.
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.
ERISA, officially known as the Employee Retirement Income Security Act, was enacted in 1974 to protect the rights of workers with pension and health plans. The Act also outlines regulations regarding private long term disability coverage provided by employers, ensuring employees have access to the coverage they are promised if they are unable to work due to a disability or injury. ERISA requires employers to follow strict laws regarding:
If an employee is covered by an employer-provided disability plan, the employer is obligated to provide them with a brochure that outlines the features of the plan and what benefits are offered. They must also provide information regarding out-of-pocket costs for coverage.
Even with ERISA laws in effect, many insurance companies will attempt to deny workers the benefits they are legally obligated to provide. Insurance companies often attempt to calculate the amount of time it will take a worker to recover and return to work, but this calculation usually fails to take the illness or injury the worker is suffering from into consideration.
Understanding disability and ERISA laws can be remarkably difficult, especially in the face of a denial of benefits. However, as an employee who has been provided disability insurance by an employer, you have certain rights that must be honored by both employers and insurers and if your benefits have been denied, you have a right to appeal. Contact a Texas ERISA lawyer now to discuss your case.
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