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Ray Bourhis Associates
1050 Battery St.
San Francisco, Ca
94111
Local: 415.392.4660
FAX: 415.421.0259
info@raybourhis.com

If you are a California resident receiving only partial or "residual" benefits under an individual disability insurance policy, please contact us immediately!

Toll-free: 800.264.2082

We assist victims of Long Term Disability Insurance Bad Faith. If you have been unfairly denied by your insurance company, we can help!

Ray Bourhis Associates specializes in resolving long term disability bad faith insurance disputes and long term disability insurance unfair denials. We specialize in disability insurance claim resolution for both privately-held and ERISA cases. We have won record verdicts and settlements involving insurance bad faith disputes, nationwide. As a result, and due to the credibility of our firm, we are able to obtain maximum settlements for most clients within a matter of weeks and months, not years.

If your insurance company has wrongfully denied payment for your long term disability insurance claim, contact us for a no-obligation, no-cost, case review through our online Case Evaluation Request , by This e-mail address is being protected from spambots. You need JavaScript enabled to view it , or by Toll-Free number 800.264.2802.

Recovering Disability Benefits, Costs, and Damages

If your disability insurance claim has been unfairly denied, your insurance carrier may be responsible for paying not only your long term disability insurance benefits, but also for compensating you for your additional losses such as attorneys' fees, out-of-pocket costs, emotional distress damages, general damages and, in especially egregious situations, punitive damages. You may be entitled to additional compensation! Because we specialize in Long-Term Disability Insurance matters, we are able to bring your claim through the process faster, and with better results, than law firms handling other types of cases. We know the insurance companies, and they know us, which means they listen when we speak on behalf of our clients, and they know we mean business. We don't undersettle just to push your case through, and we don't take shortcuts. Whether you are preparing to file your claim, or have already received a denial letter, contact us today!

(We handle cases that have not been resolved by other means. If you are having problems with an automotive claim or minor insurance claim of any type, or have not yet filed a claim with your insurance company, please see www.insuranceconsumers.com for assistance.)

How An Employment-Based Disability Insurance Policy Can Cause Problems When You Have A Claim- And How We Can Help You If Your Claim is Denied

1. Almost ALL disability insurance policies purchased through your workplace are ERISA Preempted. These claim cases require specialized attention and a different approach than non-ERISA cases.

2. ERISA Preemption means your protections against extraordinary losses due to fraudulent and bad faith claims denials are eliminated. While they are still obligated to pay your legitimate claim, your insurance company is immune from damages caused by even the most criminal of claims denials.

3. ERISA Preemption deprives you of your constitutional right to a jury trial. That means you have NO leverage or bargaining power to simply compel your insurer to pay even the most obviously legitimate disability claims (such as spinal injuries).

4. Under ERISA even if an insured is forced into bankruptcy, loses their home and exhausts all retirement savings, he/she cannot recover a dime for any of these losses.

5. Punitive damages cannot be awarded in an ERISA Preempted claim EVEN if an insurer is guilty of the most outrageous conduct imaginable in its claims denial practices.

6. Insurance companies routinely target high-end ERISA claimants for denials because the insurers know there's virtually NOTHING an ERISA claimant can do about it. You basically lose your ability to fight back.

7. Employers virtually NEVER go to bat for employees in work-place based claims denial problems. Employers are more interested in keeping their premiums low. Insurers can obviously offer lower premiums if they know they don't have to pay legitimate.

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If You Own An Insurance Policy,
You MUST Read:

Book Cover: 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

To read the first chapter without obligation
Click here

We assist victims of Long Term Disability Insurance Bad Faith. If you have been unfairly denied by your insurance company, we can help!

Recovering Disability Benefits, Costs, and Damages

Ask a Question

If You Own An Insurance Policy, You MUST Read:

If You Own An Insurance Policy,
You MUST Read: