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Disability Attorney in Shreveport, 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 Shreveport, Louisiana

Disability Attorney in Shreveport, Louisiana

Have you been denied insurance benefits? Denials are more common than you may think. Luckily, help is available. Experienced Shreveport ERISA Disability Lawyer and former insurance company attorney J. Price McNamara can guide you through the process. Disability insurance claims are notoriously complicated and can be hard 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 financially protect an individual and their family if they are to become disabled and are thus unable to work and receive an income. If you have long term disability insurance in Shreveport 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 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 in mind.

 

Long Term Disability Insurance Coverage

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

 

How Long Does Coverage Last?

The length of time you will be eligible to receive payouts in Shreveport is largely dependant on the specific terms of your policy. Long term disability policies are designed to offer payouts for a longer time than short term disability insurance policies. Payouts will either last for a specific number of years or will end when the insured person reaches a certain age (often 65).

 

Disability Insurance Denials

The unfortunate reality that many people in Shreveport face is that accessing benefits, particularly from a disability insurance policy, can quickly become a frustrating and challenging process. It is important to keep in mind that insurance companies are for-profit businesses and will jump at the chance to issue a denial anytime 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 Shreveport

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 incredibly difficult 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 a detailed internal appeals process for handling disputes, and this process is never straightforward. An experienced Shreveport 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 ensure 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 unintentionally 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 Shreveport will be able to walk you through the appeals process in order to make sure you receive benefits.

 

Contact an ERISA Metairie Disability Lawyer Today

If you’ve been wrongfully denied insurance coverage in Shreveport, you may be feeling frustrated and more than a little confused about what your next steps should be. The laws regulating insurance companies are complex and can be incredibly difficult to understand without legal knowledge. Luckily, help is available. As an experienced Shreveport Disability Lawyer, 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 are the ERISA rules?

ERISA (the Employee Retirement Income Security Act of 1974) was enacted in order to set standards for employee group benefits. ERISA outlines minimum standards that plans must adhere to in order to protect the members of those plans. These standards vary depending on the type of plan.

 

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

If you are facing a disability denial in Shreveport, 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 are not getting the benefits you deserve.

 

How much does a Shreveport disability attorney charge?

The cost of hiring an attorney in Shreveport 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 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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