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In Kuntz v Aetna, 2013, the Federal Court found that for Aetna abused its discretion…

So what do you really think. Ray Bourhis? If an insurance company defrauds or cheats…

While every Long-Term Disability (LTD) policy includes a definition of total disability, many states (including…

Warning: Financial Planners Important Information for Financial Planners : Long Term Disability from Ray Bourhis on Vimeo. Premiums…

By Ray Bourhis and Alexander MacDougall The issue of determining the present value (PV) of…