New Jersey Disability Lawyer
New Jersey Disability lawyer Bonny Rafel handles ERISA (group) long term disability and individual disability insurance cases. She is nationally recognized by her peers for her outstanding knowledge and experience in this specialty of law. Her high demand as a lecturer demonstrates her talent, see Articles and Engagements section for some of her appearances and papers published on disability and health issues. Ms. Rafel recently received a wonderful testament to her work for people with Multiple Sclerosis from the National MS Society.
We provide assistance for people seeking disability benefits, both short term and long term benefits. We understand the importance of submitting a claim that is thorough and complete. Our decades of experience working up a claim for acceptance gives us the knowledge to assist you at the early stages of your claim. We will sit with you to review your disability insurance policies and help you to understand what evidence is needed to prove your claim for disability benefits. We regularly assist our clients who have multiple policies, such as Business Overhead Expense Policies, Buy-Out Insurance, Individual Disability Insurance, to integrate all of your viable disability claims so that you receive the disability benefits that you need!
Do not wait until your claim is denied before seeking the help of our experienced lawyers and staff!! Do not risk being denied the disability income benefits or health benefits you deserve. Our lawyers, paralegals, nurse and legal clerks team up with you from the very start to help you obtain and keep your disability benefits. If you have been denied disability benefits we can file an appeal for you to enhance your chances of success. If you have already appealed the denial of your claim and lost, contact us to determine if we, New Jersey disability counsel, can litigate your claim in court. Of course we personally meet each client to assist disabled people file for short term disability benefits and long term disability benefits, both ERISA and individual disability claims.
Our New Jersey disability lawyers can assist you with questions you have regarding your claim, no matter what insurance company is administering your case. Use the contact form located on our website to tell us about your claim and we will respond within 24 hours. Or, you may call us to give us the information over the telephone. Our sensitive, caring staff is eager to provide assistance.
We can provide legal advice and information regarding your pending long term disability benefits claim, whether you are applying for coverage or have been denied your disability benefits. We do not handle Social Security Claims but can refer you to excellent social security lawyers in New Jersey that we coordinate with our legal assistance for your private disability case. Our NJ disability lawyers have years of experience helping disabled people obtain disability benefits from companies such as Unum, Provident, Paul Revere, Equitable, John Hancock, Reliance, Reliance Standard, Prudential Financial, DMS, Hartford, Northwestern Mutual, Guardian, Berkshire, MetLife, Cigna, LINA, Mass Mutual. Do not chance losing these needed long term disability benefits because they affect both you and your family. (Please read the disclaimer).
- Courts Clarify the Mental Disorder Limitation in Long Term Disability Policies We have been following the Courts' treatment of mental or nervous disorders limitations in group long term disability policies. (See blog, Disability
- Courts Recognize Disability Claims Based on Longstanding Chronic Migraines and Pain Insurers often balk at paying a disability claim for a condition that has existed for a long time before the individual stops working. It seems that
- Physician's Plan Providing Group Discount for Disability Coverage Is Not Subject to ERISA Physician Association Plans Qualify for Safe Harbor Protection