When an insurance company denies your claim, you may feel stuck and unsure of what to do next. You paid your premiums and relied on that coverage, only to be told the benefits you need aren’t available. Working with an experienced insurance claims lawyer in Pennsylvania can help you fight back and get the benefits you deserve.
At the Law J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, we help people across Pennsylvania and nationwide challenge denied insurance claims and fight for the benefits they earned.
If you have questions about a denied or delayed claim, we’ll answer them for free, with no obligation to hire us as your attorney. We believe you deserve clear answers before making any decisions. Contact us today to learn how we can help.
Why Clients Choose the Law J. Price McNamara: Disability, Life, AD&D Insurance Attorneys
Choosing an insurance claims attorney is an important decision, especially when your income, benefits, or family’s security is at risk. Our firm is focused on insurance claims and appeals, which keeps us sharp and effective when dealing with powerful insurance companies.
This work is also personal. After losing close family members to serious, long-term illnesses, attorney Price McNamara saw firsthand how devastating insurance delays and denials can be during an already painful time. That experience led him to leave a career defending insurance companies and instead devote his practice to helping people fight unfair claim decisions.
We also stand behind our work with four guarantees to protect you from risk and stress. We charge no fees or costs unless we recover benefits for you, keep you informed with clear and consistent communication, and give you the option to step away within the first 30 days without owing anything. For your convenience, we can meet in person, over the phone, or by video call.
For a free legal consultation with a Insurance Claim lawyer serving Pennsylvania, call (225) 201-8311
Insurance Claims Cases We Handle
Insurance policies are often filled with confusing language that’s hard to understand. Our team represents clients nationwide in a wide range of insurance disputes to provide you with the best possible representation. These include:
- Pennsylvania accidental death and dismemberment lawyer: If an accident results in a loss of life or a severe physical injury like the loss of a limb, we help beneficiaries and survivors collect the specific payouts promised in these policies.
- Pennsylvania long–term disability lawyer: When a chronic illness or injury keeps you out of work for months or years, we fight to make the insurer pay out your long-term benefits for as long as you need them.
- Pennsylvania short–term disability lawyer: Even a temporary inability to work can ruin a family’s finances, so we work quickly to resolve disputes over short-term benefits that the insurer has cut off or denied.
- Pennsylvania life insurance lawyer: Losing a family member is devastating, and having a life insurance claim denied adds insult to injury. We step in to hold companies accountable to the beneficiaries.
- Pennsylvania ERISA claims lawyer: A federal law called ERISA, with strict rules, governs most workplace insurance plans. We navigate these complex federal regulations to win your benefits.
Insurance claims come in many forms, and each type has its own rules and challenges. Each of these cases requires careful preparation and a clear understanding of the applicable law.
Our Pennsylvania insurance claims attorney will work to identify which rules apply to your claim and use them to challenge unfair denials and delays.
Pennsylvania Insurance Claims Lawyer Near Me (225) 201-8311
Understanding the Insurance Claims Process
When you file an insurance claim, the insurance company begins a review of your policy, medical records, and supporting documents. During this process, insurers often look for technical reasons to deny claims, such as labeling a condition as pre-existing or arguing that there’s not enough objective medical evidence.
As employee health benefits are in decline, insurers are increasingly strict in how they interpret policy terms and medical evidence, leading to more claims being denied or terminated. If they deny your claim, you usually have the right to appeal, but this step requires more than just disagreeing. A strong appeal must directly respond to the insurer’s reasons and include clearer medical support.
Insurance companies follow predictable review patterns, and knowing how they evaluate claims is key to challenging unfair decisions. Our experienced legal team can anticipate these tactics and build a record that protects your rights and strengthens your claim before deadlines expire.
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Laws That Protect Pennsylvania Insurance Policyholders
Several state and federal laws work together to protect Pennsylvania residents from unfair insurance practices. These laws set standards for how insurers must review claims, how quickly they must respond, and what happens when they act unreasonably.
Pennsylvania Bad Faith Statute
Under 42 Pa. Cons. Stat. § 8371, you can seek penalties if an insurance company denies your claim without a good reason or fails to investigate it properly. These may include interest, attorney’s fees, court costs, and, in serious cases, punitive damages.
Pennsylvania Unfair Insurance Practices Act
The state’s Unfair Insurance Practices Act makes it illegal for companies to use deceptive or unfair tricks when handling your claim. The Pennsylvania Insurance Department usually enforces this law, but courts often rely on these standards when evaluating insurer conduct.
Pennsylvania Prompt Payment Rules
Under laws such as 40 P.S. § 991.2166, insurers can’t move as slowly as they want. For health-related claims, they’re usually required to pay claims within 45 days, and if they’re late, they may have to pay you interest.
Federal ERISA Law
If an employer provides your insurance coverage, federal ERISA rules usually apply. Knowing which law governs your claim is critical, especially if ERISA applies to you, because it controls most job-based insurance and imposes strict deadlines.
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Contact Our Pennsylvania Insurance Claims Lawyer With Your Questions
If an insurance company denied, delayed, or terminated your claim or coverage, contact our insurance claims attorney in Pennsylvania at the Law J. Price McNamara: Disability, Life, AD&D Insurance Attorneys today.
We’ll review your situation and answer your questions for free, with no obligation to hire us. We’ll explain your options clearly and help you decide what makes sense for you.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
