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Insult To Injury
[Hardback - 2015]
ray bourhis
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Category: Business
Publisher: Berrett-koehler Publishers | ISBN: 9781576753491 | Pages: 288
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Description

Joan Hangarter bought a disability policy in 1990 to protect her should she ever become seriously ill. She dutifully paid her annual premiums for nearly a decade. But when she became disabled, she and her children found themselves homeless and bankrupt when her insurer—UnumProvident—stopped paying her benefits. With the help of attorneys Ray Bourhis and Alice Wolfson, Hangarter won a landmark $7.7 million jury verdict against Unum. Hangarter’s dramatic story illustrates in shocking detail how insurance companies put profit above the promises they make to policyholders. Exposing the intricate systems insurance companies use to target and terminate expensive claims without just cause, Bourhis reveals the back-room mind-set that drives these illegal practices. He shows how low-level employees are duped into unethical conduct, how insurers manipulate data and witnesses in the few cases that do go to trial, and exactly what ordinary people are up against when forced to take on these behemoths. Bourhis paints a frightening picture of how key decisions by Congress and the US Supreme Court have enabled these schemes to continue unchecked—and he provides a sorely needed roadmap to reform.

About the Author

Ray Bourhis is uniquely qualified as a political pundit and proponent for change against corporate and political corruption. A lawyer and consumer advocate practicing out of San Francisco, California, Bourhis has been at the forefront of the battle against excessive power and greed for over three decades. A graduate of UC Berkeley’s prestigious Boalt Hall, he specializes in policyholder representation in cases involving the wrongful denial of long-term disability insurance claims. Ray credits an attempt by Elmhurst, Queens gang members to throw him, at the age of twelve, into a blazing bonfire, with helping him develop the survival skills needed to take on insurance companies and other entrenched bullies.In addition to Revolt, Bourhis is the author of Insult to Injury, which has been optioned as a feature film, and his upcoming non-fiction work titled, This Ain’t Harvard. He lives in Ross and Montecito, California.

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