You Pay Your Insurance Company to Protect You in Case of Tragedy—But Will They Be There When You Need Them Most?

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 mindset that drives these illegal practices. He shows how low-level employees are duped into unethical conduct, how insurers manipulate the facts and the law in the few cases that do go to trial, and exactly what ordinary people are up against when forced to take on this industry.

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.

“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 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

“Painstakingly documented, hilarious, and insightful. A seething indictment of the out-of-control insurance industry...”
—Amy Bach, Executive Director, United Policyholders