Long Term Disability Lawyer
Ray Bourhis Associates is a highly-specialized long term disability insurance law firm, specializing in bad faith, with a well-deserved reputation for excellence, integrity, and credibility. We only handle long-term disability insurance claims, and have most successful track-record of any law firm in the nation. Read more...
Meet Ray Bourhis Associates
Every client we represent is special to us. We pay close attention to every client as an individual. We do not accept low ball settlements or compromise settlement amounts by allowing Partial or Residual calculations when a claimant is entitled to Total Disability benefits. Don't risk settling for less than the maximum benefits you are owed.
Own Occupation Disability
View case studies, including the landmark cases that set the law for long term disability insurance bad faith; successful long term disability litigation; denial reversal; and large settlements for physicians, medical specialists, dentists, lawyers, CEOs and other professionals who have suffered bad faith denial situations. Read Case Studies...
Claim Filing Tips - Doctor's Diagnosis
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Ray Bourhis Associates is proud to be unique in the insurance law industry.
We have handled the most important cases in the long term disability insurance field - including the landmark Hangarter and McGregor cases. We know this field inside out. Our track record and reputation (seven figure verdicts, punitive damage awards, Insult to Injury, 60 Minutes, Dateline, and work with state insurance regulators) means credibility with every disability insurer in the business.
We are highly selective in the cases we accept, we are able to obtain large, prompt, superior settlements for our clients. Please contact us for a free case review to discuss your claim.
CIGNA SETTLEMENT * Attention California Claimants! *
The Cigna settlement is significant. But as with other DOI Market Conduct Survey settlements it is a double edged sword for disability claimants. BEFORE SIGNING ANYTHING claimants should contact us.
There would be no fee for such a consultation.
1. Almost ALL long term 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 long term disability 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 long term disability claims (such as spinal injuries). Read More...
Disability Insurance Blog
Before You File Your Long Term Disability Claim
When you first learn that you have a disability that will interfere with your employment, you have an important decision to make regarding the filing of your claim; whether you should go it alone or whether you should engage the services of a disability insurance attorney to assist you through the process. Unfortunately, the process can trip up claimants very easily and many irreparable mistakes are made by people filing their own claims. For that reason, and especially if your claim has a high PV (Present Value of future benefits) you should contact us before filing.
Why is it important to contact us early on? The answer is simple. Virtually every piece of information you give to your insurer, and the wording used in conveying it, is crucial in determining whether or not your claim is approved. The reason we are able to settle over 98% of our cases within a matter of months is not just because of our track record. It's also because we don’t make mistakes in the initial stages of a filing. We don’t give insurance companies excuses to view your claim in a negative or harmful light.
We know the ins and outs of the policies, the medical evaluations and the vocational assessments. We understand the legal definition of total disability in your jurisdiction. We have seen medical and other witnesses unintentionally describing facts and circumstances in a way harmful to a claimant.
In addition, claimants acting on their own often find themselves unprepared in answering questions, providing documentation, giving recorded statements or participating in IMEs.
The handling of these, and similar issues, can make the difference in whether a claim is paid or on what basis. Beyond that, if an appeal or suit should become necessary the documentation contained, or not contained, in the file becomes critically important.
Own Occupation - Long Term Disability Insurance
By Ray Bourhis
Own Occupation Disability Insurance pays benefits if the claimant is not able to perform the usual or customary duties of his or her own occupation. Nevertheless, many insurers attempt to characterize insureds that are unable to perform some but not all of their important duties as Residually, rather than Totally Disabled.
This determination, which can result in very substantial underpayments, is according to Ray Bourhis, "flat out wrong". Own Occupation insurance coverage means that if you are unable to perform your substantial and material duties in the usual and customary manner you are entitled to Total not Residual benefits. Period.
Professionals, educated, trained and insured to perform specific duties, should never accept a partial disability determination if they cannot perform any of their normal and customary duties due to a long term disability.