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.
Across the United States, about 60 percent of people have some type of life insurance, according to a 2018 Insurance Barometer Study. While having a life insurance policy may be a wise choice, many beneficiaries on behalf of insured people could have difficulty getting the insurance company to pay these benefits when the time comes to receive them.
If you are the beneficiary of a life insurance policy and the insurance company is delaying or simply refusing to pay any amount on your claim, there may be legal help available in the form of a Texas ERISA life insurance lawyer. Talk to a dedicated ERISA attorney as soon as possible to see what options may be available for you.
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.
Insurance companies may market themselves as entities that insured parties and their family could rely on in times of trouble. All too often, however, they might easily become the source of trouble and heartache. These companies may routinely search for reasons to deny claims in order to save money.
A common basis for reducing or denying a claim is to purport that there is incorrect or incomplete information listed on the application for ERISA life insurance. In the state of Texas, such practices might be a breach of contract and in violation of Texas bad faith laws, such as Texas Insurance Code §541.051. A Texas ERISA life insurance lawyer could help beneficiaries find out more about the specifics of these life insurance laws.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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An insurance policy is a contract, which means it is governed by both state and federal contract laws. A policy is an agreement between the insurance company and the insured. As such, each party is expected to act in good faith and carry out the terms of the contract.
If the insured stops paying their premium, they may not be acting in accordance with the policy and it could be canceled. Likewise, if the insurance company denies valid claims, it is potentially breaching the terms of the contract and could be held responsible.
The issue may typically not be if the insurance company has the right to deny coverage but rather whether the denial could be a violation of contract terms. If the case goes to litigation, the latter is what might be debated.
It is also important to note that there are limits on how life insurance companies in Texas might conduct business and what they could or cannot put in their contracts. The Texas Department of Insurance oversees the contracts and conduct of insurance companies in this state. However, seasoned lawyers are familiar with how this department treats various insurance cases, so speaking to one that specializes in life insurance could be a wise move.
Whether you are involved in a dispute over who is the beneficiary of a life insurance policy or were denied a claim, consulting with an experienced Texas ERISA life insurance lawyer should be the first step you take towards resolving your claim. A practiced attorney could evaluate your life insurance claim and the surrounding facts to see if they could get you the benefits that you are due.
A legal team familiar with both federal and Texas laws governing life insurance policies and claims as well as the common tactics that insurance companies try to use to deny claims could use their knowledge to assist claimants. Call today for professional help with your life insurance claim.
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