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.
Long term disability insurance is supposed to provide you with a sense of security since you know that assistance is available if you suffer a disability and become unable to work. Unfortunately, insurance policies that are supposed to provide peace of mind often end up providing frustration and heartache. Insurance companies that provide long term disability coverage frequently try to keep costs low by denying claims, even if a beneficiary qualifies under their policy.
If you are struggling with a long term disability claim, it is prudent to work with a Texas long term disability insurance lawyer. If you are starting the claims process or seeking to appeal a denial of coverage, an attorney who understands long term disability claims could help pursue a positive resolution.
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.
One reason the process of obtaining long term disability benefits can be so complicated is that these benefits may be provided by different sources, and the standards for qualifying and methods of proving qualifications are often quite different. Moreover, the procedures for filing claims and appealing denials may also differ significantly between various policies.
Depending on the situation, long term disability benefits may be available from the Social Security Administration, a private insurer, or an employer. Certain benefits may also be affected by provisions of the Employee Retirement Income Security Act (ERISA) or Texas workers’ compensation laws. As such, it is important for those seeking benefits to understand their options for benefits and how to qualify under different rules.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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Many people only think of calling a lawyer if they are considering filing a lawsuit in court. However, a long term disability insurance attorney in Texas could provide assistance at many stages of the application and appeal processes.
To begin with, a knowledgeable lawyer could assist with analyzing the terms of coverage to determine whether a particular situation should be covered, as well as the types of benefits that should be available. A Texas long term disability insurance lawyer could also help with filing an initial claim, including collecting and providing evidence to support disability claims.
If an insurer denies a claim for benefits, insurance attorneys could work with claimants to file administrative appeals and, if necessary, appeals to federal court. They could furthermore assist with negotiating settlements, including situations where claimants request repayment of long term disability benefits. Finally, a lawyer could work to ensure that benefits are provided in a timely fashion in the correct amounts and that they are not canceled prematurely.
When someone in Texas files a claim for long term disability benefits, those benefits are typically needed to keep their household functioning. Given their significance and importance to injured workers, long term disability insurance claims should not be routinely denied just to keep costs low, but unfortunately, it has become common practice.
Fortunately, provisions of Texas and federal law provide means for those denied benefits to appeal their denial and demonstrate their qualifications, so that they can obtain the full amount of benefits to which they are entitled under a particular plan. To learn how a Texas long term disability insurance lawyer could assist in your unique situation, call today to set up an initial consultation.
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