Ray Bourhis & Associates

Ray Bourhis & Associates

Exclusive Representation for Long Term Disability Insurance Claimants. Bad Faith, Unfair Denial, Own-Occupation, Partial Benefits Disputes and Undersettlement.

Firm Overview

Ray Bourhis Associates' well-deserved reputation as the leader in long term disability insurance policyholder representation is based on the firm's ability to obtain maximum benefits in the most expedient manner possible, on behalf of their clients. For more than 30 years, the firm has exclusively represented the medical, financial, athletic and professional communities in Bad Faith Long Term Disability Insurance disputes.

A highly-specialized approach to obtaining maximum benefits, and handling every case with excellence, integrity and credibility, has resulted in the most successful Track Record of any firm in the Area of Practice.

Featured on 60 Minutes, Dateline and 100's of media outlets throughout the nation as the top Disability Insurance experts, and trusted by 1,000s of LTD claimants, the firm has set the standard for high-value claim representation. Visit our website to view our landmark cases, media coverage, and our work in the long term disability insurance bad faith field.

Ray Bourhis Associates ONLY handles Long Term Disability insurance disputes and welcomes Claimants to contact the firm by phone, email or online form to request a personalized, no-obligation case review and evaluation.
Main Office
Main Office
12 Funston Ave
San Francisco  CA  94129
  • (800) 264-2082


Free Initial Consultation?

Office Information

Office Hours
9am - 5pm Monday-Friday. 24/7 Internet Inquiry
Office Manager
Terrie Olsen
Long Term Disability
Exclusively handling Long Term Disability Insurance Claim disputes on behalf of medical professionals (doctors, surgeons, anesthesiologists, dentists, specialists, chiropractors.)
Ray Bourhis Associates is a specialized law firm dedicated to the Long Term Disability Bad Faith Area of Practice. For more than 30 years the firm has successfully represented claimants, including landmark cases, involving own-occupation disputes, Partial and Residual determinations, unfair claims denials, underpayment, and bad faith actions. The firm represents claimants against all major long term disability insurance companies.

How did your firm decide on the primary area of practice(s)?

After seeing the consequences of his mother being denied medical treatment by a medical insurance provider Ray decided to make it his life’s work to change the way insurance companies treat their claimants. Dedicated to ensure that insureds receive the benefits they pay for, he set out on a lifetime campaign against bad faith insurance practices and the companies that profit by underpaying the people who pay for their protection.

What experience or education distinguishes your lawyers from others?

From politics to law, Ray has been instrumental and influential in changing insurance practices. Through his work as a court-appointed Special Master overseeing reform in the California Department of Insurance, his appointment by Senator Barbara Boxer to her Federal Judicial Selection Advisory Committee, his work with 60 Minutes, Dateline and other national media and his work on political reform, Ray has long been active in the bad faith field.

He is currently delivering seminars and discussions to the medical community, is engaged in Insurance reform efforts and is publishing a book about the devastating consequences of insurance bad faith practices and ERISA Preemption laws.

What distinguishes your law firm from others?

Ray Bourhis Associates handles Long Term Disability Insurance cases almost exclusively. This allows their attorneys to retain their unrivaled status as the most knowledgeable, practiced, and successful in the field.

Ray Bourhis

Engaged in civil trial practice since 1972 specializing in insurance coverage and bad faith litigation.
Founded Cal Advocates, a student funded, non profit, public interest law firm at UC Berkeley. Has now become Cal Pirg.

Worked with White House staff during Clinton Administration on issues related to insurance reform

Founder, InsuranceConsumers.com.

Special Master, Department of Insurance: Appointed by San Francisco Superior Court Judge John Dearman to oversee reforms in California Department of Insurance.

Subject of a 60 Minutes report by Ed Bradley concerning insurance abuses and unfair claims and underwriting practices.

Appointed by United States Senator Barbara Boxer to the Federal Judicial Selection Advisory Committee. This committee reviews and recommends applicants for federal district court judgeships for her selection and recommendation to the President.

Lead counsel in Hangarter, McGreggor and dozens of precedent setting and Record verdicts and settlements in Long Term Disability (LTD) insurance bad faith cases throughout the Country.

Has written, been featured, and lectured extensively on the topic of Bad Faith Insurance Practices, including:

When Disaster Strikes Will Your Insurer Be There For You, San Francisco Chronicle, Op Ed, September 2005.

Author, Insult to Injury: Insurance, Fraud and the Big Business of Bad Faith. Endorsed by Sen. Edward Kennedy, Hon. Lynn Woolsey, and Insurance Commissioner John Garamendi.
The Private Practice of Public Interest Law, Panel Discussion, Harvard Law School, April 03.

So You Thought You Had Disability Insurance
Northern California Psychiatric Association June 2004

California Tort Reporter, June-July 2004
McGregor v. Paul Revere Life Insurance Co., 369 F.3d 1099 (9th Cir. 2004)

Mealeys Litigation Report, Insurance Bad Faith July 20, 2004
9th Circuit Panel Upholds $7.6 Million Verdict in Favor of Insured, Finds No Error
(Joan Hangarter v. Provident Life and Accident Insurance Co., The Paul Revere Life Insurance Co., and UNUMProvident Corp., 02-17423, 9th Cir. 2004 U.S. App. LEXIS 12841).

The Preparation and Trial of an Individual Disability Bad Faith Case: State Bar of California, 76th Annual Meeting. Anaheim, CA September 2003

Litigating Disability Insurance Claims. American Conference Institute Boston, MA March, 2003

The Ins & Outs of Litigating Bad Faith Disability Cases At Trial. San Francisco Trial Lawyers Association. January, 2003.

Litigating Individual Disability Insurance Claims: Obtaining Punitive Damage Verdicts in Bad Faith Claims. The Bar Association of San Francisco, November, 2002.

Punitive Damages in Disability Coverage. Association of Trial Lawyers of America Conference. San Diego April, 2002.

Analyzing Own Occupation Disability Coverage.
Association of Trial Lawyers of America Conference. Miami Beach, FL February, 2002.

Bad Faith: Depositions and Cross Examinations of Claims Personnel; Expanding Your Practice in the New Millennium. Association of Trial Lawyers of America. San Francisco, CA July, 1999.

Strategies for Success in Litigating Disability Claims. American Conference Institute

Evaluating and Arguing Damages. California Trial Lawyers Association and San Francisco Trial Lawyers Association. San Francisco, CA 1983.

Proving Income Loss for the Insured Professional or Self-Employed Person. California Trial Lawyers Association. CTLA. March, 1983.

Recognition and Recovery for Bad Faith Torts. TRIAL Magazine. Association of Trial Lawyers of America. December, 1982. Summation. California Trial Lawyers Association. Statewide Seminar, Anaheim, CA 1982.

Pleading and Proving General Damages. State Bar of California. C.E.B. San Francisco, San Mateo, Yosemite, CA 1982.

Examination and Cross-Examination of Expert Witnesses.
State Bar of California. C.E.B., San Francisco, CA 1981.

For more, see http://raybourhis.com

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