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Disability Attorney in Bossier City, Louisiana

The Next Steps Are Critical. As A Former Insurance Company Attorney/insider, I’ll Personally Guide You Through Those Steps And Around Common Pitfalls

Before You Hire Any Attorney, Let Me At Least Do This For You (Free Of Charge):

  • 1 Review Your Denial Letter;
  • 2 Discuss the denial and insurance company tactics in your case with you by phone; and
  • 3 Give you a written step-by-step plan to fight your denial.

Call me or fill out the contact form to get started today.

You can use the plan continue your fight alone, or share it with any other attorney you wish.

Or if you decide you want me to fight for you, no office visit is needed, and you pay nothing – no fee, no costs -- unless we recover.

Listen About Long Term Disability

Disability Attorney in Bossier City, Louisiana

Disability Attorney in Bossier City, Louisiana

Have you been denied insurance benefits? The unfortunate reality is that denials are more common than you may think. Luckily, help is available. Experienced Bossier City ERISA Disability Attorney and former insurance company lawyer J. Price McNamara can guide you through the process. Disability insurance claims are notoriously complicated and can be challenging to navigate on your own. Insurance companies have experienced lawyers working on their behalf – and you should too.

 

Long Term Disability Insurance

Long term disability insurance is designed to protect someone financially in the event that they become disabled and are unable to work. If you have long term disability insurance in Bossier City and are injured or otherwise become disabled, you will need to meet the insurance company’s definition of disabled In order to qualify to receive benefits. 

This gets complicated because each and every long term disability policy can have a different definition of “disability”. Even if you have been found to be totally and permanently disabled in a separate claim (such as for Social Security disability), you may not necessarily meet the very specific disability definition that your insurance company has outlined in your policy. 

 

Long Term Disability Insurance Coverage

Coverage from long term disability insurance will depend on the exact terms of the individual policy. Payouts are generally calculated on a percentage basis of the person’s salary from before they were injured or otherwise became disabled. Usually, this will fall somewhere in the 50% to 80% range. Depending on the policy’s specific terms, additional income the policyholder was earning (such as commission or consistent overtime) will also be taken into consideration for that calculation.

 

How Long Does Coverage Last?

The length of time you will be eligible to receive long term disability payouts in Bossier City is largely dependant on the specific terms of your policy. Long term disability policies are designed to offer payouts for a longer period of time than short term disability insurance policies. Payouts will either last for a pre-specified number of years or will end when the insured person reaches a particular age (often 65 when they will then be eligible for other benefits such as Social Security). 

 

Disability Insurance Denials

The unfortunate reality that many people in Bossier City face is that accessing benefits, particularly from a disability insurance policy, can quickly become a frustrating and confusing process. It is important to keep in mind that insurance companies are for-profit and will be quick to issue a denial immediately if they find any reason to – no matter how small. Denials will be issued due to missed deadlines, lack of documentation, or a host of other reasons. An experienced ERISA attorney will be able to review your situation and help you understand the reason for your denial – as well as your path forward.

 

Disability Insurance Appeals in Bossier City

If your long term disability claim has been denied, it is not the end of the road. The insurance company will provide you with an explanation in writing, along with instructions on how to appeal their denial. Unfortunately, the appeal process is not easy to maneuver if you have never done it before. Due to ERISA (the Employee Retirement Income Security Act of 1974), all plan administrators need to have an internal appeals process for handling disputes, and this process is never straightforward. An experienced Bossier City disability lawyer will be able to help you navigate these steps in order to make sure you receive the benefits you deserve.

 

ERISA

ERISA is the Employee Retirement Income Security Act of 1974, which is a federal law that sets minimum standards for employer-sponsored retirement and health plans in order to better protect the individuals who join these plans. These protections make sure that employers can’t take back benefits due to financial hardship, and also make sure that the employees are not going to suffer due to mismanagement of the plan.

These protections are necessary, but the act also caused the process of appealing a denial to become considerably more complicated. ERISA law is notoriously complicated and has been amended numerous times. Only a lawyer who is specifically experienced with ERISA in Bossier City will be able to walk you through the appeals process in order to make sure you receive benefits.

 

Contact an ERISA Disability Attorney in Bossier City Today

If you’ve been wrongfully denied insurance coverage, you may be frustrated and feeling more than a little confused about what steps you should take next. The laws regulating insurance companies are complex and can be incredibly difficult to understand without specific legal knowledge. Luckily, help is available. As an experienced Disability Attorney in Bossier City, we will review your case for free and help you and your family get back to financial security as soon as possible.

 

Frequently Asked Questions

What does an Erisa attorney do?

An ERISA attorney will help fight for your rights if you have been denied benefits from your ERISA covered plan. This includes life insurance benefits, accidental death & dismemberment benefits, and long-term disability benefits. If you have been denied benefits, and ERISA attorney will help review your case and determine the best way to move forward with your appeal in order to make sure you receive the benefits you deserve.

 

Is it worth it to get a Bossier City lawyer for disability?

If you are facing a disability denial in Bossier City, it is always worth it to at least speak with an experienced attorney about your situation. A good attorney will offer a free case review in order to discuss the details of your situation and advise you on your best path forward. Insurance law is complicated, and going at it alone could mean you end up getting fewer benefits than you deserve.

 

How much does a Bossier City disability attorney charge?

The cost of hiring an attorney in Bossier City to help with your disability case will depend on the specifics of your particular case. Before choosing an attorney, you should make sure you understand how their fees will be assessed. Most attorneys in Bossier City who work with ERISA law will offer a free consultation, but make sure that they also can provide a guarantee they will not charge a fee if they do not win your case.

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Three Office Locations

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)

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