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New Jersey Disability Lawyer Blog

Medical Proof: Depression can impair cognitive function
Bonny G. Rafel, LLC

In a February 20, 2010, press release, researchers at UT Southwestern Medical Center announced that their review of published, peer reviewed literature, documents that depression may lead to cognitive impairment. Their research reviewed 35 studies that were published between 1991 and 2007 that investigated links between depression severity in patients and specific impairments in their…

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Disabled People Risk that Their Actions, Captured on the Internet, Will Undermine The Claim
Bonny G. Rafel, LLC

Insurance companies are more and more using the internet to their advantage. Be careful if you are posting on the internet especially if you have provided your email address to the insurance company providing disability benefits to you. Your activity can easily be tracked on the internet- regarding your shopping, the time you spend on…

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Our Clients Speak Out About Their Experience With Rafel LLC
Bonny G. Rafel, LLC

Oftentimes, we learn the most from others that have shared our experiences. In this setting, people that are disabled, seek out counsel, but obviously have never had to consult with an attorney who concentrates in disability law. There is a need for disabled people to communicate with each other when they have had a good…

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Culley v. Liberty Life- US Ct. of Appeals for the 3rd Cir. gets it right
Bonny G. Rafel, LLC

In this New Jersey disability claim based on a back condition including disc herniations, the Court affirmed the District Court’s opinion and outlines some important pointers to keep in mind when proving in an ERISA case that the insurer’s procedural irregularities require the denial to be overturned. The Court faulted Liberty who was acting under…

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New Jersey Supreme Court Ruling on who is responsible for attorney’s fees in an insured’s claim against an insurer
Bonny G. Rafel, LLC

The New Jersey Supreme Court recently issued a disappointing decision in Shore Orthopedic Group, LLC v. The Equitable Life Assurance Society of the United States, 972 A. 2d 381 (NJ 2009) with regard to the payment of counsel fees in insurance disputes. Shore Orthopedic had purchased a disability policy to cover some of the expenses…

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Rafel wins Parkinson’s Disease case for New Jersey client
Bonny G. Rafel, LLC

Ms. Rafel recently won an administrative appeal filed on behalf of her client suffering from Parkinson’s Disease. Prudential Insurance Company had denied benefits claiming that there was no proof that the physical symptoms were so disabling as to render him unable to work as a retail stock broker. Prudential relied solely on its own medical…

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Client Reviews

I was an Engineer in a Research and Development division of a major corporation, putting in longer hours with the same workload. An unrelated episode landed me in the hospital, where I was DXd with Primary Progressive Multiple Sclerosis, which explained my decline at work. I then learned that I had...

Charlie

I would like to re-acknowledge what a difference your work has made in my life. When forced to retire 5 years ago, you dedication to helping me enroll into my disability policy has made all of the world of difference.

George

I cannot thank you enough for successfully appealing my disability benefits. My special thanks also to Eileen for all of their assistance, support and expertise. Your legal expertise of disability benefit entitlement was evidenced by your comprehensive and knowledgeable litigation of my appeal. I...

MaryJo