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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.

Understanding Long Term Disability Insurance in Louisiana

If you sustained an injury that prevents you from working, you may be entitled to receive long term disability understand long term disability coverage. insurance benefits to supplement your income. Long term disability insurance provides relief to its recipients by providing compensation to make up for an injured employee’s inability to continue to work and earn a living.

Understanding long term disability insurance in Louisiana is essential to making sure you get all the benefits you are entitled to receive as the result of your disability.


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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.


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.

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Long term Disability Insurance Coverage

The amount of money an individual is entitled to receive from long term disability insurance will depend on the terms of the policy itself. Typically, payouts are determined based on a percentage of the person’s pre-disability salary. Average percentages range from between 50 and 80 percent.

Compensation in excess of an employee’s base salary such as bonuses commissions or overtime may also be factored into this calculation. An attorney can help employees considering filing claims


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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)

How Long Does this Coverage Last?

Unlike short-term disability which only applies for a limited period of a few months, long term disability provides payouts for a much longer duration. Similar to the amount that will be paid out by the policy, the duration of the payouts will also be dictated by the terms of the policy. Many policies end when the insured reaches the age of 65. Alternatively, policies may last for a certain number of years.

The nature of an individual’s disability, as well as the age at which they become disabled, may also be relevant factors in establishing how long benefits will be paid out. Furthermore, coverage for disabilities related to mental illness is usually more limited than other types of physical disabilities.

Proving a Disability in Louisiana

To be covered under a long term disability insurance policy, an individual must be able to establish that they are disabled as defined by the policy. Medical bills and reports from physicians are common forms of evidence used to establish a disability.

Certain types of disabilities such as pre-existing conditions are often excluded from long term disability coverage. Additionally, even if a certain type of disability would otherwise be covered, many policies impose limits on coverage based on how an injury was incurred. Finally, coverage may be denied if there is insufficient evidence to support a disability or that a person is not able to continue to work.

Understanding Long term Disability Insurance in Louisiana is an Important First Step in a Successful Claim

Accidents can happen to anyone. Just because you do not work in a dangerous profession does not mean that you will not have coverage under a long term disability insurance policy.

Insurance companies are often resistant to approving claims simply because the less money they must pay out, the more money they stand to make. Do not let your claim be denied based on a technicality.

If you have questions about your insurance policy or would like to speak with a Louisiana attorney about long term disability insurance, please call. An attorney can be an important resource in understanding long term disability insurance in Louisiana.

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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