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.
If you are insured by UNUM through your employer, your insurance plan is most likely covered under the Employee Retirement Income Security Act of 1974, otherwise known as ERISA.
ERISA is a federal statute that was enacted by Congress in 1974, in order to safeguard employee benefits and help ensure that they receive these benefits when they need them. Unfortunately, employer-sponsored insurance plans do not always work that way, and insurance companies actually have an incentive to deny employees their much-needed benefits.
If you have been denied disability benefits under your employer-sponsored plan of insurance, you must complete certain prerequisites prior to filing a UNUM disability lawsuit in Texas. At the Law Offices of J. Price McNamara, we can help you take the necessary legal steps to pursue the disability benefits that you deserve. Please contact us online today for more information and to schedule a free case evaluation and legal consultation.
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.
If your claim for disability benefits has been denied by the insurance company, the first step that you should take is to review your claim denial letter very carefully. The denial letter will set forth exactly why your claim for disability benefits was denied.
In some instances, you may have failed to follow some protocol established by the insurance company, and consequently, they have denied you benefits. In other cases, you may not have submitted the necessary documentation to support your claim for long-term disability benefits. Remember, to be eligible for these benefits, you need to show that you suffer from a permanent disability that keeps you from working.
An experienced attorney can review the denial letter with you and determine what actions you need to take on administrative appeal.
Our number-one goal is getting you and your family back to financial security as soon as possible.
Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.
There are several steps that you need to take if you are interested in appealing a disability claim denial. Unfortunately, you cannot file a UNUM disability lawsuit in Texas right away. First, you must exhaust all of the insurance company’s administrative appeal opportunities. Your denial letter will set forth exactly what you have to do in order to administratively appeal your benefits denial. You should follow this protocol closely because if you fail to follow it, your claim for benefits will most likely be denied for a second time.
Once you have exhausted any and all administrative appeal remedies presented by the insurance company – and if you still do not have the disability benefits you need – then you may file a lawsuit against your insurance company in the court system.
Due to the ERISA statute, insurance companies have significant advantages in federal court. One of the most important advantages is that in the federal system, you are not entitled to a trial by jury. Rather, a judge must decide the issue of whether or not you are entitled to disability benefits. Consequently, it is important that you have an experienced lawyer by your side in federal court.
If you are interested in filing a UNUM disability lawsuit in Texas, the experienced legal team at the Law Offices of J. Price McNamara is ready to assist you. To learn more about the steps and protocols involved, please contact us online today.
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