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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 Life Insurance Lawyer

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.

 

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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Carrier Tactics

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.

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)

Claim Denials and Breach of Contract

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.

Governing Texas Insurance Companies

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.

Talk to a Texas ERISA Life Insurance Attorney

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.

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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