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Disability Attorney in Monroe, Louisiana

Listen About Long Term Disability

Disability Attorney in Monroe, Louisiana

Disability Attorney in Monroe, 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 Monroe 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 people and their families financially in the event that they become disabled and are unable to work. If you have long term disability insurance in Monroe 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 Monroe 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 Monroe 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 Monroe

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 Monroe disability lawyer will be able to help you navigate these steps in order to make sure you receive the benefits you deserve. 



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 Monroe will be able to walk you through the appeals process in order to make sure you receive benefits.


Contact an ERISA Disability Attorney in Monroe 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 Monroe, 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

How long does it take to get disability with an attorney?

How long it takes to get awarded disability benefits with the assistance of an attorney will depend on the complexity of your particular case and your unique situation. Some simpler cases can be resolved in as little as a month, while other, more complicated cases, can take upwards of 3 years. An experienced disability attorney in Monroe will be able to review your case and give you an estimate for how long they think it should take to get a favorable resolution.


Is it worth it to get a Monroe lawyer for disability?

If you are facing a disability denial in Monroe and are looking to make an appeal, 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 Monroe disability attorney charge?

The cost of hiring an attorney in Monroe 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 Monroe 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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