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| Ray
Bourhis has taken the compelling personal stories of four people who were wrongly
denied disability benefits and woven them into an account showing how insurance
corporations' fraudulent behavior has run unchecked and ruined the lives of ordinary,
honest Americans. The book shows how we may think we are protected but are, in
fact, at the mercy of companies who only care about their bottom line.
Despite
federal regulation of everything from our waterways to banking to the use of offensive
vocabulary on the radio, the government is actually prevented by law from enacting
any insurance consumer protections. This book will strike a chord for all who
care about how the checks and balances we count on can, and do, fail us at times
when we need them the most.'
Congresswoman Lynn Woolsey |
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from home page... Bourhis,
a national champion of policyholder rights, walks readers
through both Joan Hangarter’s heart-wrenching case and the stories of Susan
McGregor, Stuart Gluck, John Tedesco, Laurie Hindiyeh, Eugene Molfino, Julie Guyton,
Michael Baldwin, Margaret Santana, and numerous other claimants — real people
with heart disease, AIDS, spinal injuries, brain damage, Parkinson’s disease,
and other disabilities whose benefits were cut off just when they needed them
most. Bourhis shows how the world’s largest disability carrier, UnumProvident,
has relied on a host of shady practices — from surveillance to one-sided
medical evaluations to policy re-interpretations — to target and terminate
benefit payments. Through these cautionary
tales, he shines a spotlight on widespread bad faith doubledealing by insurance
providers and details the key regulatory failures that enable these practices
to continue unchecked.
"Painstakingly
documented, hilarious, and insightful. A seething indictment of the out-of-control
insurance industry and its friends in Congress and on the U.S. Supreme Court who
have given it a green light to defraud Americans." Amy Bach Executive Director,
United Policyholders.
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| Author Ray Bourhis |
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