Bourhis & Mann assists consumers in resolving insurance disputes, unfair denials, wrongful benefit terminations, and insurance bad faith; principally focusing on Long Term Disability, E and O and D and O Insurance, Umbrella Claims, Breach of Duty to Defend, Long Term Care, Major Medical, Life Insurance, Homeowners, Property & Casualty, and Life insurance matters. If your insurance company has wrongfully denied payment for your claim, contact us for a no-obligation, no-cost case review.

We have won record verdicts and settlements involving insurance bad faith disputes.

Long Term Disability Insurance (LTD) - Physical Disability, Psychiatric Disability

For many years we have been at the cutting edge of bad faith litigation. We have obtained record verdicts and settlements on behalf of policyholders in disability, homeowners, liability (Duty to Defend), and medical insurance cases. We have worked with Congress, state insurance departments and commissioners, consumer advocacy organizations, and others toward regulatory and ERISA reform.

Click here to read related articles, press coverage and legislative news ...

Breach of the Duty to Defend

If a policyholder is sued for damages and his or her homeowners or business carrier refuses to defend or indemnify them, this may give rise to a cause of action against the carrier of a breach of Duty to Defend.

When an insurance company breaches the Duty to Defend, it can be held responsible for all expenses incurred, including moneys paid by the insured to settle the case, general and consequential damages, attorneys fees and punitive damages. If your insurance company has refused to defend or indemnify you, contact us for a free case review.

Long Term Care

An emerging area of Bad Faith is Long-Term Care. The elderly represent a new goldmine for the companies making billions of dollars in profits by wrongfully withholding benefits.

Companies like UnumProvident, John Hancock, Conesco, Metropolitan, Metlife, Continental, Bankers Life and others have collected over $45 billion in premiums. The companies are well-aware that by the time policyholders file for Long Term Care benefits, they are, by definition, old and infirm. In many cases this means they are unable to fight for their rights. Bourhis & Mann assists Long Term Care Insurance Policyholders in obtaining the benefits they have paid for.

Long Term Care assistance are services provided by medical or non-medical individuals to assist a chronically ill or disabled insured. Click here for The Most Common Long-Term Care Controversies.

If you have been unfairly denied, your insurance carrier may be responsible for paying not only your insurance benefits, but also for compensating you for your additional losses such losses as attorneys' fees, out-of-pocket costs, emotional distress damages, general damages and, in especially egregious situations, and punitive damages. .

(We handle cases that have not been resolved by other means. If you are having problems with an automotive claim or minor insurance claim of any type, or have not yet filed a claim with your insurance company, please see www.insuranceconsumers.com for assistance.)

Read More about how far some insurance companies, and their lawyers, will go to ensure their own profitability, at your expense:  Insult to Injury: Insurance, Fraud and the Big Business of Bad Faith , by Ray Bourhis.

You may be entitled to additional compensation

Bourhis & Mann invite you to contact us with your insurance case review or questions; either online(click here) or through our toll-free number:

1(800)264-2082

Nationwide

Additional information:

• Typical fraudulent insurer practices
• ERISA Reform