OUR ATTORNEYS
We are experienced consumer attorneys providing quality legal representation to people seeking health and disability benefits. Bonny Rafel (certified civil trial attorney recognized by the Supreme Court of New Jersey), Michele Smith and JoAnn Quattro, along with our talented staff, focus on disability and life insurance matters. Disabled people are in need of quality, caring representation by litigators who are familiar with the practices of the insurance industry. We are efficient, effective and know how the get the best results for our clients. Please take a moment to read more about our attorneys and staff:

Michele Smith	Bonny Rafel	JoAnn Quattro

OUR STAFF
Our staff includes many talented people, including paralegals Michael Thompson, Lucia Petullo and Rachel Rosen, nurse paralegals Eileen Scheid and Kathleen Evans and a complement of law clerks from local schools. Our staff is dedicated to providing assistance to our team of lawyers protecting your legal right to continued disability benefits.The unique input of paralegals trained in the law and medicine keep our clients regularly informed as to the status of their claims so each client knows that his/her unique disability case is being monitored by paralegals and counsel.

Top Row; Michael Thompson, Rachel Rosen, Valerie Delman, Kathleen Evans, Eileen Scheid, Lucia Petullo. Bottom Row; Michele Smith, Bonny Rafel, JoAnn Quattro.

Please use this link to contact us, provide as much information as you like to help us understand your questions, and we will call you within 24 hours.

We look forward to hearing from you. If we cannot help you, we may be able to help locate an experienced attorney who can.

Bonny Rafel, Esq.

Bonny G. Rafel is a highly regarded nationally recognized litigator, representing consumers in life and disability cases in New Jersey, New York, and many other states.She has received the highest rating, A+ Martindale Hubbell which is based on assessments by her peers.  The Supreme Court of New Jersey has recertified her twice as a civil trial attorney. Ms. Rafel has devoted substantial time during her busy career to mentor others through continuing education courses and shares her experiences by lecturing and writing in many venues. She speaks to varied groups, trade organizations, insurance agencies, financial planners, medical support groups and specialty organizations including NOSCCR on disability issues. Her successes have been recognized in Products Liability Law Reporter published by ATLA, Jury Verdict Review & Analysis, New Jersey Lawyer and the New Jersey Law Journal. She often authors timely articles in her field of specialty, which have appeared in many periodicals, including Life & Health Advisor. Ms. Rafel is a regular featured speaker for the Association of Trial Lawyers of America, Mealey's, and the American Conference Institute on topics of bad faith, long term disability and ERISA matters. Ms. Rafel currently Chairs the NJ ATLA Bad Faith Committee and is on the ATLA Board of Governors and a member of the ATLA Education Committee.

She personally interviews each prospective client with a paralegal selected based on the needs of each case.  She provides leadership skills to our firm and her dedication to the cause of the disabled is truly admirable.  She is the Voice of the Disabled.

Michele Smith, Esq.

Associate Michele Smith, Esq brings many unique skills to balance our litigation unit.  Her talent is exemplifed by Honors awarded to only a handful of students, including graduating Magna Cum Laude with a B.A. in Political Science from Columbia University and Cum Laude from Harvard Law School where she was Technical Editor or the Harvard Woman's Law Journal.  She went on to round out her experience by clerking for the Honorable Susan J. Dlott, U.S. District Court Judge in Ohio.  Following employment as a clinical fellow at the Criminal Justice Institute at Harvard Law School, she gained litigation experience as as associate with Stroock & Strook & Lavan, LLP in Manhattan. Michele adds a dimension of knowledge, integrity and determination to our legal staff. She is licensed to practice law in the New Jersey, New York and Massachusetts.