Typical examples of fraudulent industry practices involving Disability, Long Term Care, Medical and Life Insurance include: misleading insureds at the time of the sale of a policy; misinterpreting the meaning of policy language; conducting one-sided claims investigations; using phony in-house or outside expert "opinions" to justify claims denials and falsifying the facts surrounding a claim. For more information of such practices, please visit the FAQ section of Insurance Consumers: www.InsuranceConsumers.com

Insult to Injury: Insurance, fraud, and the Big Business of Bad Faith

Insult to Injury: Insurance, Fraud and the Big Business of Bad Faith, by Ray Bourhis, was released on September 1, 2005. It is available from Amazon.com, Borders, Barnes & Noble and other booksellers throughout the U.S. The book, which tells the stories of Joan Hangarter, Susan McGregor, Stuart Gluck and dozens of other victims of fraudulent insurance practices, has been optioned for production as a feature length movie. If you have any insurance at all, this book is a MUST READ! For more information about it, see www.InsultToInjury.org.

ERISA Reform

In a growing campaign to reform the disability insurance industry, Ray Bourhis has appeared on more than 75 radio and television talk shows throughout the US to talk about the esoteric-sounding issue known as "ERISA Preemption." Click here to listen.

Right now, due to ERISA's elimination of all state law protections and regulations, insurance companies are actually immunized from bad faith or fraud actions on policies sold in the workplace. Ray is working hard in an effort to get Congress to rectify the massive problems associated with this - - and to simply force insurers to stop cheating policyholders out of the benefits they are paying for. Click here to view FAQs concerning this subject.

Reference:

Los Angeles Times
Ray Bourhis is praising a L.A. Times August 21, 2005 front page report by Peter Gosselin, as by far the best piece written to date on issues relating to the need for ERISA reform and the challenges faced by disabled policyholders. Click here to read article.

For guidance regarding purchasing and managing your insurance policy; ERISA Preemption; and all other types of insurance please click here to visit Insurance Consumers

If you are a victim of bad faith or fraudulant insurance practices, or have a question regarding your insurance claim denial, please click here to submit a question through our online form.

To submit by FAX or postal mail click here.
To submit by email click here.
To contact us by telephone please call 800.264.2082.

Ray Bourhis:

• chief counsel in countless insurance bad faith cases including the landmark Hangarter, McGregor and Gross cases against UnumProvident/Paul Revere.
  
  
• specializes in long term disability insurance claim recovery, as well as homeowners, construction, automobile, commercial, life, errors/omissions, directors/officers, and general liability insurance benefit denial and cancellation issues.
  
  
• in addition this website provides information and assistance to insurance policyholders and to attorneys handling insurance cases on behalf of individual and business policyholder clients.
  
  
• has successfully recovered millions of dollars in benefits, including record-breaking verdicts and settlements, on behalf of clients whose claims were unfairly or unreasonably denied by insurance carriers.
  
  
• has lectured and written extensively on subjects concerning insurance law, ERISA Preemption, and insurance bad faith and hold a leading role in the movement toward insurance industry reform.