Long Term Disability Attorney
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.
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...
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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.
Professional Athletes and ERISA Risks
It is no secret that serious and permanent injuries occur to professional and college athletes on an alarmingly regular basis. As an Long-Term Disability (LTD) insurance lawyer, a former high school and college athlete, a dedicated Ohio State and Cal football and basketball fan – and, as the Father of Brutus the Buckeye (I kid you not, check it out on Google), I have a VERY warm spot in my heart for disabled athletes. When these men and women suffer a career ending injury, they not only see the dreams to which they had devoted their lives come crashing down but, in many cases, their livelihood as well. Read More....
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...
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Understanding Present Value Calculations
By Ray Bourhis and Alexander MacDougall
The issue of determining the present value (PV) of insurance policy benefits can be as complicated as it is important. Issues that come into play include:
1) The monthly benefit
2) The life of the policy
3) The claimant’s age at the time he or she became disabled
4) The existence of mortality associated issues
5) Whether or not there is a Cost Of Living Adjustment (COLA) provision in the policy and if so, when the COLA kicks in and for how long it takes effect
6) Whether a discount rate needs to be applied in calculating the PV in order to account for inflation
7) Whether periodic, optional, benefit increases have been factored in
8) The percentage of the discount rate and how it is calculated
9) Whether or not the insured is entitled to factor in an incentive for it to agree to a lump sum paymentRead more...