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2024-03-06: Guardian Ordered To Pay Disability Benefits to Neuro-Ophthalmologist
2024-03-06: Unum Must Pay Benefits to Doctor Disabled by Cognitive Deficits Caused by Cancer Treatments
2022-12-26: “Retirement” is a Dirty Word in Disability
2022-12-16: How to Protect Your Long-Term Disability Claim from Denial
2022-11-23: Dentist’s Repetitive Stress Injuries Eligible for Lifetime Disability Benefits Coverage
2022-06-23: Court Rules Insurer Cannot Withhold Relevant Claim Documents
2022-03-29: Disability Claims Decided Based On File Reviews – Is this Fair?
2022-03-22: Multiple Sclerosis Awareness Month: MS-Specific Issues in Disability Claims
2021-10-28: Unum Ordered to Pay Lifetime Benefits to Endodontist Disabled By Arthritis Caused By Repetitive Stress Hand Injuries
2021-06-07: Being Disabled Does Not Require You to Stop All Activities In Order to Prove Your Claim
2021-06-04: Long Term Disability Claims Are Under Renewed Scrutiny By Disability Insurance Companies
2020-06-07: How Does COVID Impact Disability Claims= The Big Picture
2020-05-02: Disability Appeal Deadlines Tolled Due to COVID-19
2019-10-29: How to Overcome Disability Insurer Roadblocks To Continued Benefits
2019-10-07: Disability Insurance Companies Evaluate Occupations Based on “National Economy” Rather Than The Claimant’s Actual Job- Is This Permitted?
2019-08-29: Courts Rule That Deadlines for Disability Insurance Company’s Review of ERISA Appeal Cannot Be Extended
2019-05-20: Disability Case Spotlight: Considerations for Determining the Initiation Date of Disability To Maximize Benefits
2019-03-03: Important Treatment Requirement For The Disabled
2018-09-23: Doctors/Lawyers and Other Professionals Risk Losing Disability Coverage Upon License Suspension/Revocation
2018-09-23: Federal Appellate Court Restricts Disability Insurer, MetLife’s Application of its Limitation of Long Term Disability Related to Back Condition
2018-07-14: Disability Insurer Reliance Standard’s Bad Faith Claim Handling Exposed By the Court
2017-11-23: Protecting Your Rights To Employee Benefits While on Disability
2017-11-23: Use of Social Media to Deny a Claim
2017-06-16: ERISA Regulation Changes Strengthens Consumer Protections for the Disabled
2017-02-07: Courts Clarify the Mental Disorder Limitation in Long Term Disability Policies
2017-02-06: Courts Recognize Disability Claims Based on Longstanding Chronic Migraines and Pain
2016-06-22: Physician’s Plan Providing Group Discount for Disability Coverage Is Not Subject to ERISA
2016-05-25: Insurers’ Vocational Assessments in Long Term Disability Claims
2016-05-24: Disability Insurers Cannot Hide The Deadline For Filing Suit From Its Insureds
2016-03-05: Residual Disability Insurance Clauses May Unfairly Penalize Physicians Who Are Working Part-Time
2016-02-28: New Jersey Court Permits Discovery into Bias of Medical Peer Reviewers
2015-11-18: Court of Appeals Sets Bonny G. Rafel’s Hourly Rate Insurance Companies Must Pay
2015-10-20: Living with Multiple Sclerosis and Disability
2015-10-13: Right To Privacy for the Disabled On Claim
2015-09-24: Deadline for Filing Lawsuit under Group Benefit Plan
2015-08-03: Disabled Attorneys Should Not Handle Their Own Claim
2015-07-20: Chronic Pain and Cognitive Impairment Causes Disability
2015-07-10: Disability Caused by Physical Impairment
2015-06-26: Counsel Fees in ERISA Actions
2015-06-05: Be Careful Because Employer Agreements Can Release All Claims Including ERISA Disability Claims
2015-05-19: Oral argument set for May 20th at Third Circuit to Defend our Success for Disabled Bank Employee
2015-05-18: ERISA Insurers Must Consider the Actual Job Duties of The Occupation In Determining Disability
2015-05-15: Prudential’s Attempt to Toll The Deadline for ERISA Appeal Determination Rejected
2015-04-29: Time Limitation In Welfare Benefit Plan Strictly Enforced
2015-01-12: Deadline for Filing Lawsuit Applies Even If Insurer Agrees to Voluntarily Review An Appeal Filed Late
2015-01-04: Disability By Mental Illness Is Underappreciated By Insurance Industry
2014-12-31: Insurer Must Consider the Occupation As It Was Performed When Disability Commences
2014-12-28: Cigna Denial Reversed! Hormone Therapy is Not Treatment That Limits Cancer Disability Claim Coverage
2014-12-27: Disability Caused by Multiple Sclerosis
2014-08-01: Temporary Improvement Does Not Signify Ability To Work
2014-07-28: Alternative Psychological Therapy for Claimants Disabled By PTSD
2014-07-25: Medical Marijuana to Treat Disability Substantiates a Claim
2014-06-30: Courtesy Disability Appeal Does Not Extend the Deadline For Filing Lawsuit in ERISA Disability Claim
2014-06-27: Parkinson’s Disease- A Disabling Disease
2014-06-24: AT&T Disabled Employee Proves Claim Administrator, Sedgwick Is Conflicted and Biased
2014-06-22: Psychiatric Disability Claims – How To Succeed Under ERISA
2014-02-03: Disabled Walmart Employee Deprived of His Day In Court Due to Statute of Limitations
2014-02-03: CIGNA Ordered to Pay Disabled Claimant a Surcharge Remedy
2013-07-22: A Revised Manual That Will Change the Handling of Mental Illness Disability Claims
2013-07-09: Surveillance is Often Misused to Justify a Denial of Disability Benefits
2013-07-09: New Jersey Consumers Entitled to Review of Disability Claims Denied from 2009-2010
2013-06-28: The Importance of Medical Support For Your Disability Claim
2013-05-25: CIGNA Agrees to Review Disability Claims Denied 2009-2010 and Change Disability Denial Practices
2013-05-15: Supreme Court to Rule on Time Limitations for Filing ERISA Insurance Lawsuits
2013-03-28: Disabled Nurses
2013-03-18: Forum Selection Clauses in ERISA Disability Insurance Policies Found Unenforceable
2013-03-17: How to Prove Your Disability Based on Fibromyalgia or Chronic Fatigue Syndrome
2013-03-11: Working While Disabled–Why You May Be Entitled to Disability Benefits Before Leaving Work
2013-03-04: Residual Disability Coverage – Does it Pay?
2013-03-01: ERISA May Apply to an Individual Policy if Purchased with Other Employees With a Premium Discount
2013-02-19: Long Term Care Insurance a Major Issue for Women
2013-01-21: Court Finds Risk of Relapse Can Be Disabling Condition
2013-01-18: Social Security Ruling May Help Fibromyalgia Patients with Disability Insurance Claims
2013-01-18: Reimbursement Clauses in Insurance Contracts are Challenged
2013-01-14: Early Detection of Alzheimer’s May Help Diagnose and Treat the Disease
2013-01-02: DSMV: Will It Impact Your Disability Benefits?
2012-12-17: Massachusetts Passes New Law to Protect Long Term Care Insurance Consumers
2012-12-17: Electronic Medical Records- Friend or Foe?
2012-11-25: Disability Due to Breast Cancer – New Treatment Options
2012-11-21: Chronic Fatigue Syndrome is a Serious Condition
2012-11-14: Hurricane Sandy: Homeowners Should Take Care When Filing Property Damage Claims
2012-11-01: Hurricane Sandy Causes Extensive Property Damage in New Jersey: We Can Provide Help to File Your Claim
2012-10-04: Unum Must Disclose Attorney Memo in Disability Case
2012-10-03: Deceptive Surveillance of Disability Claimants is Invasion of Privacy
2012-09-11: Court Decision Underscores Important Role of Disability Attorneys
2012-07-09: New Research May Explain Disabling Affects of Epilepsy
2012-06-11: Defense Contractor Employees Working in War-Zones Sue Over Enforcement of Wartime Exclusion
2012-06-01: Sleep Apnea is Disabling and May Cause Cancer
2012-04-30: Insurers Use Internet Postings to Deny Claims
2012-04-29: Effects of Cancer Treatment May Leave Patients Disabled
2012-03-29: Unum Pre-existing Condition Exclusion Does Not Apply To Disability Claim
2012-03-25: Dangers of Posting on Facebook
2012-02-18: Revised Diagnostic Criteria May Affect Autism Patients
2012-02-16: Insureds Must Avoid Fraud in Pursuing Claims
2012-01-09: ERISA Plan Required to Distribute $1.5 million Judgment to Employee
2012-01-07: States React to Unfair Discretionary Clauses
2012-01-05: Out-of-Network Health Benefits-New Jersey Courts Take A Stand
2011-08-28: Fact: Chronic Pain is Real and Disabling
2011-08-21: New Jersey Disability Case Establishes Important Standards in 3rd Circuit
2011-08-15: Increasing Inaccuracy in Health Insurance Claims Payment
2011-08-14: Living With Lower Back Pain
2011-08-12: Primer on Disability Insurance -Few Employees Are Covered
2011-08-11: Bias by Social Security Judges in Queens, NY
2011-08-09: Primer on Disability Insurance
2011-08-09: Unum Bad Faith Verdict in California- Jury Awards $4 Million
2011-08-08: Bonny G. Rafel “helped me through this diffucult time”
2011-08-08: Severe Migraines Can Lead to Disability
2011-08-07: Third Circuit Invalidates Arbitration Clause In Employment Contract
2011-08-04: New Jersey Disability Claimants Will Benefit From New Law
2011-03-31: Prudential’s Selective Review of Disabled Claimant’s Medical Records held Arbitrary and Capricious
2011-03-24: Helping Prove Your Disability Claim with Your Physician’s Help
2011-03-21: Disability Caused by Chronic Fatigue? Wall Street Journal Reports that Chronic Fatigue Research Continues
2011-03-20: ERISA- Still Overwhelmingly Viewed As An Insurers Law
2011-01-05: Four Largest United States For-Profit Health Insurers Increase Coverage Denials Based on Pre-existing Condition
2011-01-01: Should A Disabled Employee File A Second Level Appeal Of An ERISA Disability Denial?
2010-12-30: The Importance of Doctors Who Advocate for Their Disabled Patients
2010-12-11: Deciding Whether to File A Claim for Disability
2010-12-04: Interplay between Disability Benefits and Bankruptcy
2010-09-28: Are Insurance Companies Failing to Live Up to Their End of the Bargain in Long-Term Disability Policies?
2010-07-07: Rafel, a Hardworking, Caring Lawyer Wins My Disability Case
2010-05-18: Medical Proof: Depression can impair cognitive function
2010-05-17: Disabled People Risk that Their Actions, Captured on the Internet, Will Undermine The Claim
2010-03-24: Our Clients Speak Out About Their Experience With Rafel LLC
2009-12-18: Surveillance Video Abuse by Disability Insurance Companies
2009-09-30: New Jersey Long Term Disability Recent Cases -In What Direction is Our Judiciary Headed? Part III
2009-09-15: New Jersey Long Term Disability Recent Cases -In What Direction is Our Judiciary Headed? Part II
2009-09-13: New Jersey Long Term Disability Recent Cases -In What Direction is Our Judiciary Headed? Part I
2009-08-06: Culley v. Liberty Life- US Ct. of Appeals for the 3rd Cir. gets it right
2009-08-05: New Jersey Supreme Court Ruling on who is responsible for attorney’s fees in an insured’s claim against an insurer
2009-07-30: Rafel wins Parkinson’s Disease case for New Jersey client
2009-07-15: Rafel obtains reinstatement of disability benefits for New Jersey orthopedic surgeon
2009-06-26: Dental Disability Insurance- A Worthwhile Investment?
2009-06-23: Rafel Lectures on Long Term Disability Trends, including ERISA
2009-05-21: Disability Claims in a Down Economy, ALI ABA Web Seminar May 22, 2009

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Medical Developments of Interest (10)
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Our Client's Experience with Rafel LLC (3)
Recent Court Decisions of Interest (34)
Recent Successes for our clients (7)
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