Ray Bourhis
1050 Battery Street
San Francisco, CA 91411
Office Contact: (415) 392 – 4660
Contact email: info@raybourhis.com

Ray Bourhis, of Ray Bourhis Associates, San Francisco, is the leading representative of disability insurance policyholders and claimants in the United States. Ray Bourhis Associates a national law firm specializing in disability coverage and bad faith cases, and has obtained several landmark decisions in the disability insurance bad faith area.

Bourhis has served as lead council in virtually every landmark disability case in the field. He has been featured on 60 Minutes, Dateline, CNN; in the Wall Street Journal, and leading newspapers throughout the country.
In addition to his landmark disability case verdicts, he has served on behalf of his clients in some of the largest claims in history. His lectures include speaking to countless professional organizations and groups on all subjects related to disability benefit resolutions. His favorite topics include Filing and Processing the Disability Claim;  Maximizing Recovery through Mediation and Direction Negotiation with Insurers; and the Perils of ERISA Preempted Policies.

 

Lectures and Discussions

  • How ERISA Affects Your Practice;
  • How Disability Insurance Protects, or Does Not Protect;
  • Your Financial Assets; Umbrella, or Other, Insurance Needed to Protect Your Investments;
  • Proper Documentation of Patient Records for Insurance Claim Submittals;
  • Why Impaired Medical Professionals Who Are Still Working are Entitled to Total, Not Residual Benefits;
  • Obtaining Fair Settlements for Fibromyalgia, Soft Tissue, Psychiatric, and Other Difficult Impairments; and
  • Pitfalls and Landmines to Avoid When Buying Insurance.

 

 

Background

Born: New York City
Domestic Peace Corps (VISTA)
July 1968-September 1969
Staff, Senator Robert Kennedy, 19682 / Ray Bourhis Lectures and Speaking Engagements

 

 

Professional

Boalt Hall, University of California

Berkeley, J.D., June 1972

Founded Cal Advocates, a non-profit public interest law and research firm to be funded by UC student fees. (Project vetoed by one vote by “Reagan Regents,” Chaired by William French Smith.) Cal Advocates then became CalPirg.

Engaged in civil trial practice since 1972 specializing in insurance coverage and bad faith litigation. Martinedale Hubbell a v (highest rating)

Lead counsel in Bourhis v. Gillespie, litigation against California Department of Insurance (CDI) charging CDI with failing to prosecute violations of Ins Code Sec 790.03 (Unfair Claims Practices Act).

Special Master, CDI: Appointed by San Francisco Superior Court Judge John Dearman to oversee reforms in CDI).

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

Appointed by US Senator Barbara Boxer to the Federal Judicial Selection Advisory Committee. (Reviews and recommends applicants for federal district court judgeships for selection and recommendation to the President.

Lead counsel in Hangarter v. Paul Revere (Unum), McGregor v. Paul Revere (Unum), Olsen v. Provident (Unum) and numerous other cases resulting in record verdicts and settlements against Unum.

Assisted National Association of Insurance Commissioners (NAIC) and CDI in investigations
against Unum resulting in multi-million dollar fines against the Company and Orders that it re-open some 240,000 denied and terminated claims.

Partner in Ray Bourhis Associates, San Francisco, specializing in insurance bad faith law.

 

 

Recent Lectures and Writings

Author, Content Editor, www.InsuranceConsumers.com. Revised 2009/2012

Insurance Bad Faith Litigation. California Civil Practice – Torts Volume 4. Bancroft-Whitney, West Group. (Revised, 2008.)

Author, Insult to Injury: Insurance, Fraud and the Big Business of Bad Faith. 2005.

When Disaster Strikes, Will Your Insurer Come Through For You? Guest Editorial, September 18, 2005, San Francisco Chronicle.

So You Thought You Had Disability Insurance / Ray Bourhis Lectures and Speaking Engagements 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)

Mealey’s 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.

“Infectious Greed (in the Shadow of Enron).”
Panel Discussion on The Private Practice of Public Interest Law. Harvard Law School. Cambridge, MA April, 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.
Boston, MA June, 1999.

Summation in a Bad Faith Case. Consumer Attorneys of California.
Lake Tahoe, NV March, 1998.

Cross-Examination of the Insurer’s Bad Faith Expert. Association of Trial Lawyers of America.
San Diego, CA July, 1997.

Cross-Examination in Deposition and at Trial. Consumer Attorneys of California.
San Francisco, CA November, 1996.

The Need for Federal Insurance Reform. Association of Trial Lawyers of America.
Boston, MA July, 1996.

Insurance Litigation, Recorder Magazine (Legal Newspaper). Analyzing Insurance Coverage and Maximizing Recoveries in Bad Faith Cases. San Francisco, CA – July, 1996.

The Duty to Defend in Insurance Regulation: General Principles. Association of Trial Lawyers of America.
Breckenridge, CO March, 1996.

Anatomy of an Insurance Bad Faith Case. Consumer Attorneys of California.
Los Angeles, CA February, 1996.

Homeowners’ Insurance and Bad Faith. Consumer Attorneys of California.
Los Angeles, CA – November, 1995.

Cross-Examination of Insurance Witnesses at Deposition and Trial.
Consumer Attorneys of California. April, 1995.

Emergency Issues in Commercial and Homeowners Coverage.
Association of Trial Lawyers of America. Chicago, IL – July, 1994.

Selected Issues in Insurance Litigation. State Bar of California.
Continuing Education of the Bar. San Francisco, Santa Clara, Sacramento.
Videotaped for 34 additional locations – December, 1993.

Advising Individual and Commercial Policyholders Concerning Insurance Coverage and Bad Faith.
The San Francisco Daily Journal, 1992.

Insurance Coverage and Bad Faith. Stratton Press. Bad Faith Seminar.
San Francisco, Beverly Hills, Santa Clara. 1988-1989.

Trial Strategy in Insurance Bad Faith Litigation. California Trial Lawyers Association.
San Francisco, CA 1985.

Strategy and Tactical Considerations in Bad Faith Actions. California Trial Lawyers Association.
San Francisco, CA 1985.

Bad Faith Insurance Litigation. State Bar of California, C.E.B. Seminar.
San Francisco, Monterey, San Rafael, San Jose, April-May, 1985.

Insurance Bad Faith: Some Commonly Asked Questions, Answers and a Few Predictions.
San Francisco Attorney Magazine. Bar Association of San Francisco.
California Trial Lawyers Magazine. CTLA. March, 1985.

Calculating and Proving Damages. State Bar of California. C.E.B.
San Francisco, San Jose, Tahoe. January, 1985.

Seaman’s Direct Buying Service, Inc. v. Standard Oil Co. and The Law of Commercial Bad Faith.
California Trial Lawyers Magazine. CTLA. August, 1984.

Insurance Bad Faith Litigation. California Trial Lawyers Association.
Statewide Seminar. San Diego, CA 1984.

The State Bar Litigation Specialization Program: A New Solution or a New Problem?
Los Angeles Daily Journal and San Francisco Recorder, August 1984.

California Trial Lawyers Association. CTLA. August, 1984.

Insurance Bad Faith and The Use of Insurance Code Section 790.03.

California Trial Lawyers Association and San Francisco Trial Lawyers Association.

San Francisco, CA 1983.

Persuasion in Settlement and Trial. California Trial Lawyers Association and
San Francisco Trial Lawyers Association. San Francisco, CA 1983.

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.