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Texas Long Term Disability Insurance Attorney

We answer any questions
you have FREE OF CHARGE.

Before You Hire Any Texas Long Term Disability Appeal Attorney, Let Me At Least Do This For You (Free Of Charge):

Let Our Experience Work For You
  • 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 to continue your fight alone, or share it with any
other attorney you wish. 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.
We proudly serve the following cities and surrounding areas: Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso and more.

See How Our Texas Long Term Disability Denials Lawyers Have Helped Others

Practice Areas We Serve

We answer any questions
you have FREE OF CHARGE.

Why I Love Our Mission Of
Helping People Like You…

Too much is at stake to guess about the best approach and strategy for fighting your denied insurance claim — years and years of financial security.

After spending years representing insurance companies, we don’t guess. We know their playbook and how they work behind the scenes. Using that knowledge, we’ve developed our own Clear Advantage Process for fighting claims.

It’s personally satisfying to use what I’ve learned as an insurance company insider, now for the good — helping families reverse unfair denials of insurance benefits they paid for, need and deserve.


Assisting Texans with Filing a Claim for Long Term Disability Insurance Benefits or Appealing a Claim Denial

Disability benefits that workers acquire through an employer-sponsored plan typically fall within the purview of the Employee Retirement Income Security Act of 1974 (ERISA). Individuals who have these disability plans are often surprised when they make a claim and the insurance company denies it. In fact, long-term disability benefit denials are not that uncommon, and it sometimes takes two or more tries before an applicant is successful in receiving long-term disability benefits.

The knowledgeable Texas long term disability insurance attorneys at the Law Offices of J. Price McNamara can assist you with making a claim for benefits or appealing a claim denial on your behalf.

Requirements for Long-Term Disability Benefit Eligibility

In order for you to be eligible for long-term disability benefits, a healthcare provider needs to state, to a reasonable degree of medical certainty, that you are suffering from a long-term illness or injury. Moreover, the healthcare provider must establish that this injury or illness does not allow you to work at a job.

Given that this is a very high standard to meet, it is important that you have a healthcare provider involved in your case from day one. An experienced Texas long-term disability insurance attorney can assist you with proving your eligibility for benefits and making sure that you have a knowledgeable healthcare provider on board in your long-term disability benefits case.

Appealing a Long Term Disability Benefits Denial

The knowledgeable team of Texas long-term disability insurance lawyers can assist you with appealing a denial of long-term disability benefits. Insurance companies have an incentive to issue these denials because doing so saves them a significant amount of money. Insurance companies make money by keeping the premiums that their insureds pay — not by paying out disability claims.

If the insurance company denies your long term disability benefits application, you should review the denial letter to find out exactly why your claim was denied. This letter will also state the procedures and protocols that you need to follow in order to submit an administrative appeal. Insurance companies must allow you at least one opportunity to file an administrative appeal, although some insurance companies will allow two such opportunities. During the administrative appeals process, you can supplement the record with additional documents from your healthcare provider that support your claim.

After you have exhausted the administrative appeals process, if you still do not have long-term disability benefits, you have the option of filing a complaint against your insurance company in the federal court system. A Texas long-term disability insurance attorney can assist you with filing this appeal and litigating your case in court. At a federal court hearing, the judge will determine whether you are entitled to recover long term disability benefits.

Call a Texas Long Term Disability Insurance Attorney Today

The skilled lawyers at the Law Offices of J. Price McNamara will be able to answer all of your legal questions about long term disability insurance. To schedule a free case evaluation and legal consultation with an experienced Texas long term disability insurance lawyer, please contact us online today.

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Complete the confidential form for a free, no obligation case evaluation and we’ll tell you how we can help.

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