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.
A person who was recently injured or suffered an illness may want to focus strongly on healing and physical health. However, if someone’s medical condition requires them to be out of work for some time, a person may want to access their ERISA disability benefits. If a person has questions about when to file a Texas ERISA long term disability claim, they may want to contact a skilled legal representative.
An experienced ERISA attorney may be able to answer questions and help get the claim approved. Benefits could pay a portion of a person’s salary while they are physically unable to work. As such, receiving these benefits as soon as possible could be important to an individual’s financial well-being and their peace of mind.
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 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.
Nearly all long term disability policies have an elimination period or waiting period written into their contracts. Typically, these last three to six months or the same length of time as the applicant’s short-term disability coverage.
Most insurance companies and employers may require applicants to exhaust all their sick leave prior to filing for short-term disability benefits. In the same vein, injured persons must typically use the entire short-term disability period prior to being eligible to apply for long term disability benefits.
Our number-one goal is getting you and your family back to financial security as soon as possible.
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The date an ERISA disability applicant became disabled generally determines when proof of a claim must be filed and when disability payments may start. Someone applying for benefits may want to carefully review their policy documents to ensure that no deadlines are missed and confirm the date that the insurance company would consider them to be disabled. Moving forward, being mindful of deadlines like these could help a person know when to file a Texas ERISA long term disability claim.
Also referred to as LDW, the last day of work should typically be carefully selected. If a person who is a disability applicant stops working without gathering supporting documents and information to validate their disability claim, they may have their application denied. An ERISA disability attorney could assist applicants in determining when to file an ERISA long term disability claim in Texas.
No later than 45 days after receiving a claim, the insurance carrier must generally approve or deny that claim. However, this time period could be extended for 30 days but is commonly dependent on if the insurer informs the applicant how much longer is needed to resolve the claim, if more information is needed, and when a final decision will be made, as per 29 C.F.R. § 2560.503-1 (f)(3).
The insurance company may need new or additional information, the person seeking benefits may also have 45 days to respond. After the information is provided to the carrier, a decision could be made within 30 days.
If the insured party received a denial, they may have 180 days to appeal. After the person files their appeal, the insurance company could have another 45 days to respond. Just as they could with the initial application, the carrier may request additional time to make a decision. In some cases, a second appeal is allowed.
Filing a disability claim may require a person to take carefully timed steps. Not taking these steps or not taking them in the correct order or at the right time could be detrimental to a person’s disability claim.
However, hiring a skilled Texas ERISA attorney might increase the chances of a claim approval. A well-versed ERISA lawyer could potentially review someone’s disability case and possibly assist them in taking the proper steps at the right times in the process. Call today to learn more about when to file a Texas ERISA long term disability claim.
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