If you’ve ever had to deal with an insurance company to get the benefits you paid for you’ve probably wondered if the system is designed to get you to give up and go away.

According to Ray Bourhis, that’s exactly what has happened in an industry fueled by greed and facilitated by a system of checks and balances that has ground to a halt.

Through the compelling stories of ordinary people who have been evicted from their homes and driven into bankruptcy as a result to fraudulent claims practices by insurance companies Bourhis shows how the industry has avoided accountability to the extent that neither lawsuits, punitive damage awards, federal court injunctions, television exposes nor newspaper headlines can derail their pursuit of profits.

“Ray Bourhis continues his strong commitment to justice by successfully taking on the insurance industry and criminal fraud in this compelling case study. He makes it clear that we need to do much more to end the shameful abuses of the current system and guarantee honorable insurance coverage for every American.”   Senator Edward M. Kennedy

I’ve got nothing against profits, but they are not supposed to be made by lying, cheating, and defrauding people – by destroying their lives.”    Ray Bourhis, Insult to Injury

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Author Ray 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.