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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 Lawyer

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.

 

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.

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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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The Difference Between Short and Long Term Disability in Texas

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.

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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)

Understanding ERISA

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:

  • How long and short-term disability claims are processed
  • The appeals process (if a claim is denied)
  • The timeline for processing long term disability claims

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.

Consult with a Texas ERISA Attorney

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.

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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