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RECOVER YOUR DENIED INSURANCE BENEFITS

LET A FORMER INSURANCE COMPANY ATTORNEY
GUIDE YOU

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.

When to File an ERISA Long Term Disability Claim in Louisiana

To start the ERISA filing process, you must file a claim through the ERISA-governed long term disability program that your employer provides. ERISA establishes specific rules for insurance companies regarding when they must make decisions concerning employee claims and what rights employees have to appeal any denial.

As a rule, long term disability plans require you to endure a waiting period before filing a claim for benefits. As such, it may be essential for you to understand when to file an ERISA long term disability claim in Louisiana to give yourself the best possible chance for success.

 

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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.

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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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How to Qualify for a Louisiana Long Term Disability Insurance Plan

Long term disability insurance plans are designed to provide people with emergency income when they can no longer work because of a disabling injury or illness. This condition can be either physical or mental in nature. Under these plans, a person does not need to be totally disabled, but rather must no longer be able to perform the job that provided the plan.

In order to receive benefits, it is essential for injured workers to seek out immediate medical care for their condition from a licensed medical professional. A large portion of the application process for ERISA benefits is medical verification of the supposed disabling condition. Furthermore, benefit recipients should continue to visit their doctor for the length of their disability, as the insurance provider has the right to request a recertification of the condition at any time.

 

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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)

The Factor of Time in Louisiana Applications

A long term disability plan is exactly that: a plan providing income for a long term disability. For this reason, all plans incorporate an exclusion period following the onset of a condition. A potential applicant must wait out this period before filing a claim.

For instance, a worker may suffer a stroke while at home that leaves them unable to perform their job duties as a roofer. Even though the injury is a clear example of a debilitating condition, there is a chance that they could make a recovery. Therefore, this person must wait out their plan’s exclusion period before filing a claim.

This exclusion period typically differs on a plan-by-plan basis. However, in general this period lasts between three and six months. It is important for each individual claimant to read through their plan’s statement of benefits and terms to understand when their eligibility for benefits begins.

Knowing When to File an ERISA Long Term Disability Claim in Louisiana Could Be Critical to Collecting Benefits

Long term disability benefit programs are run by insurance companies, who to a large extent make their profits by denying claims whenever possible. One way that they do this is by using lengthy exclusion periods that you must wait through before claiming benefits.

In addition, you must have a condition that remains constant through this waiting period with no substantial improvement. While this condition can be either physical or mental, you should maintain constant contact with your doctors to verify the disability.

An experienced lawyer could help you understand the language in your company’s insurance plan. Contact an attorney today to discuss this and other aspects of when to file an ERISA long term disability claim 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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