Give the burden to us. Regain your peace of mind.
We’ll take it from here. Call now.
Give the burden to us. Regain your peace of mind.
We’ll take it from here. Call now.
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.
When a loved one dies, life may seem to stop. Your grief may be deep, yet at the same time you must deal with funeral and estate plans as well as paying your loved one’s debts and bills.
Many people rely on ERISA life insurance benefits to help pay their expenses after a family member passes away. Unfortunately, when a beneficiary makes a claim on a life insurance policy, the claim can sometimes be denied due to a preexisting condition exclusion.
For life insurance, preexisting condition exclusion for life insurance and the laws that protect claimants—can be overwhelming and confusing. A skilled life insurance attorney may be able to help you understand what is going on and advise you on the best next steps.
Life insurance companies governed by the Employee Retirement Income Security Act of 1974 (ERISA) have a variety of reasons as to why they deny claims—some fair and based on facts, others not so much. Common life insurance claim denial reasons include:
Most ERISA life insurance companies have a preexisting condition clause in their contract. This means that the insurance company may not pay out on the policy if certain medical conditions that could have contributed to the death are deemed present in the deceased based on medical records prior to their death. However, if a master group life insurance policy was issued prior to January 1, 1993, the insurance carrier is prohibited from using a look back period of more than 12 months after the effective date of the individual’s coverage.
To further protect claimants, the same law also prohibits life insurance companies—ERISA-governed or otherwise—from including a definition of “preexisting condition” more specific or restrictive than that for a condition that would cause an ordinarily prudent person to seek medical care. At most, it can be defined as medical care such as treatment, advice, or diagnosis that was recommended or received within the prior 12 months before the effective coverage date. For more information about preexisting condition exclusion for life insurance, reach out to an accomplished attorney.
If you are coping with the death of a loved one and trying to sort out their estate, the last thing you likely want to deal with is a denial of a life insurance claim. Fortunately, there are state and federal laws established to help protect you and your deceased loved one in such circumstances, but it is important to be aware of them and how they may apply to your case.
Seeking the help of a qualified attorney can sometimes help provide the best outcome for you, as—on top of the many other ways in which they could help you personally—insurance companies often take claims more seriously when there is a lawyer involved. Call today to learn more about how an ERISA insurance lawyer could help you contest a preexisting condition exclusion for life insurance.
$1,300,000 Trial Verdict in ERISA Accidental Death and Dismemberment Insurance Denial Lawsuit My client’s cause for an ERISA accidental death and dismemberment denial lawsuit—and the…
VIEW CASE STUDY >$500,000 Settlement For Offshore Oil Rig Worker Who Suffered Disabling Spine Surgeries Following an Automobile Accident.
VIEW CASE STUDY >$850,000 Settlement For Ironworker Journeyman Who Suffered Disabling Lumbar Spine Fusion Surgery Following an Automobile Accident.
VIEW CASE STUDY >This has been a very difficult time for myself and my family. Mr. Mcnamara did his best to be as empathetic and compassionate as possible. He is very knowledgeable and a man of great integrity.
This has been a very difficult time for me and my family, but Mr.Mcnamara has been very empathetic and understanding. He is extremely knowledgeable and a man of great integrity. I truly appreciate everything he did to make this as Tolerable as possible.
I am so thankful Price was my attorney during this difficult time in my life after losing my fiance. He made me feel very comfortable I trusted that he had my best interests in mind. I highly recommend him I was truly blessed to have had him help me fight for what is mine.
I would like to take a moment to thank Mr. Price McNamara for the leadership of legal counsel aid him and his staff showed through the entire process of working with me with my Disability case. I will highly recommend Mr. Price McNamara to anyone that needs someone that is outstanding to fight for their
Price was instrumental in assisting me through the disability process. Without his help and guidance, I do not think that I would have been successful !!!!
Price was instrumental in assisting me through the disability process. Without his help and guidance , I do not think that I would have been successful !!!! Thank you Price.
Price was instrumental in assisting me through the disability process. Without his help and guidance , I do not think that I would have been successful !!!! Thank you Price.
Mr Price is great attorney with great skills and lot of experience. But BEST QUALITY he has that he is wonderful human being he care for your family and you as a human being. My family thanks you very much. GOD bless you and your staff.
The law firm of Price McNamara has successfully settled our law suit when other attorneys said that we had no case Price assured us that we did and in eight months he was able to negotiate a settlement that we were told that we could not get. I highly recommend his law firm and I
I want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of his sound advice such as showing the insurance company proof of how my illness/disability had
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
Client Linda Shares Her Experience
Client Oscar Shares His Experience
Client Lauren Shares Her Experience
Client Testimonials
Complete the confidential form below for a free, no obligation case evaluation and we’ll tell you how we can help.
You may also call us at the number below. J. Price McNamara and his legal support team are focused on building a strong case for you.
Copyright 2020. All Rights Reserved
How did we do?
Note: Your review may be shared publicly.
