If you suffer from a long term disability and are unable to work as a result, you may be able to apply for disability benefits under your long term disability insurance, which is governed under the Employee Retirement Income Security Act (ERISA). However, it is crucial that you work with an experienced attorney to file for these benefits, as your policy’s definition of “disability”—as well as some other caveats—can make all the difference in your case. ERISA claims are incredibly difficult to navigate without the assistance of an experienced attorney; in part, because insurance companies frequently act in bad faith in an effort to deny benefits. In those cases, you and your attorney will need to file an appeal.
At the Law Offices of J. Price McNamara, we have decades of experience advocating for those who are disabled in Tonopah, Arizona, and surrounding areas.
Although long term disability is governed under ERISA, it is your insurance company that evaluates your benefits application, which involves an inherent conflict of interest, since they have an interest in denying your benefits. These are some of the common reasons your insurance policy will deny your application:
Once you have exhausted your own insurance company’s internal appeals process, then you can file a case in federal court. Note that the best time to hire an ERISA attorney to assist you with this process is before an administrative appeal of your claim.
No one is more familiar with how insurance companies work in this area than Price McNamara. Having previously worked for insurance companies, he knows the intricate ins and outs of how to get the job done for his clients, and our office handles cases on a contingent fee basis, so we only get paid if/when you get paid.
For these reasons, do not assume that it is too costly to fight back and appeal a denial. The law is on your side, and you have nothing to lose by fighting back. In addition, having someone by your side to protect your privacy is essential in these cases, as insurers will frequently collect highly personal records and expose background information about you in an effort to deny your claim.
Contact us today with any questions you have. We answer all questions FREE OF CHARGE.
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 so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
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 use him in the future.
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 to address all of my questions and/or concerns.
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 wants a top-notch attorney who gets results.
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 company knew that it was their fault but of course tried passing the buck. Mr.
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 something or someone else, don’t hesitate to call him.
Complete the confidential form below for a free, no obligation case evaluation and we’ll tell you how we can help.
You may also call us at the number below. J. Price McNamara and his legal support team are focused on building a strong case for you.
How did we do?
Note: Your review may be shared publicly.