Archives

2019-05-20: Updated: 2019-05-20 14:19:59 Disability Case Spotlight: Considerations for Determining the Initiation Date of Disability To Maximize Benefits

By Bonny Rafel

2019-03-03: Updated: 2019-03-03 21:46:14 Important Treatment Requirement For The Disabled

By Bonny Rafel

2018-09-23: Updated: 2018-09-23 22:03:45 Doctors/Lawyers and Other Professionals Risk Losing Disability Coverage Upon License Suspension/Revocation

By Bonny Rafel

2018-09-23: Updated: 2018-09-23 21:50:31 Federal Appellate Court Restricts Disability Insurer, MetLife’s Application of its Limitation of Long Term Disability Related to Back Condition

By Bonny Rafel

2018-07-14: Updated: 2018-07-14 14:21:04 Disability Insurer Reliance Standard’s Bad Faith Claim Handling Exposed By the Court

By Bonny Rafel

2017-11-23: Updated: 2017-11-23 08:15:46 Protecting Your Rights To Employee Benefits While on Disability

By Bonny Rafel

2017-11-23: Updated: 2017-12-08 18:50:17 Use of Social Media to Deny a Claim

By Bonny Rafel

2017-06-16: Updated: 2017-06-16 20:13:01 ERISA Regulation Changes Strengthens Consumer Protections for the Disabled

By Bonny Rafel

2017-02-07: Updated: 2017-02-07 15:01:03 Courts Clarify the Mental Disorder Limitation in Long Term Disability Policies

By Bonny Rafel

2017-02-06: Updated: 2017-02-06 16:51:43 Courts Recognize Disability Claims Based on Longstanding Chronic Migraines and Pain

By Bonny Rafel

2016-06-22: Updated: 2016-06-22 18:14:58 Physician’s Plan Providing Group Discount for Disability Coverage Is Not Subject to ERISA

By Bonny Rafel

2016-05-25: Updated: 2016-05-25 12:34:06 Insurers’ Vocational Assessments in Long Term Disability Claims

By Bonny Rafel

2016-05-24: Updated: 2016-05-25 12:29:25 Disability Insurers Cannot Hide The Deadline For Filing Suit From Its Insureds

By Bonny Rafel

2016-03-05: Updated: 2016-03-05 17:59:08 Residual Disability Insurance Clauses May Unfairly Penalize Physicians Who Are Working Part-Time

By Bonny Rafel

2016-02-28: Updated: 2016-02-28 13:24:13 New Jersey Court Permits Discovery into Bias of Medical Peer Reviewers

By Bonny Rafel

2015-11-18: Updated: 2016-12-21 12:44:31 Court of Appeals Sets Bonny G. Rafel’s Hourly Rate Insurance Companies Must Pay

By Bonny Rafel

2015-10-20: Updated: 2015-10-20 11:22:19 Living with Multiple Sclerosis and Disability

By Bonny Rafel

2015-10-13: Updated: 2015-10-13 20:00:28 Right To Privacy for the Disabled On Claim

By Bonny Rafel

2015-09-24: Updated: 2015-09-24 18:24:26 Deadline for Filing Lawsuit under Group Benefit Plan

By Bonny Rafel

2015-08-03: Updated: 2015-08-03 18:22:33 Disabled Attorneys Should Not Handle Their Own Claim

By Bonny Rafel

2015-07-20: Updated: 2015-07-20 13:50:18 Chronic Pain and Cognitive Impairment Causes Disability

By Bonny Rafel

2015-07-10: Updated: 2015-07-10 09:10:39 Disability Caused by Physical Impairment

By Bonny Rafel

2015-06-26: Updated: 2015-06-26 09:22:16 Counsel Fees in ERISA Actions

By Bonny Rafel

2015-06-05: Updated: 2015-06-05 12:00:15 Be Careful Because Employer Agreements Can Release All Claims Including ERISA Disability Claims

By Bonny Rafel

2015-05-19: Updated: 2015-05-19 19:26:13 Oral argument set for May 20th at Third Circuit to Defend our Success for Disabled Bank Employee

By Bonny Rafel

2015-05-18: Updated: 2015-05-18 12:46:09 ERISA Insurers Must Consider the Actual Job Duties of The Occupation In Determining Disability

By Bonny Rafel

2015-05-15: Updated: 2015-05-15 16:35:03 Prudential’s Attempt to Toll The Deadline for ERISA Appeal Determination Rejected

By Bonny Rafel

2015-04-29: Updated: 2015-04-29 16:16:36 Time Limitation In Welfare Benefit Plan Strictly Enforced

By Bonny Rafel

2015-01-12: Updated: 2015-01-12 14:43:21 Deadline for Filing Lawsuit Applies Even If Insurer Agrees to Voluntarily Review An Appeal Filed Late

By Bonny Rafel

2015-01-04: Updated: 2015-01-04 14:12:29 Disability By Mental Illness Is Underappreciated By Insurance Industry

By Bonny Rafel

2014-12-31: Updated: 2014-12-31 12:18:00 Insurer Must Consider the Occupation As It Was Performed When Disability Commences

By Bonny Rafel

2014-12-28: Updated: 2014-12-28 11:10:38 Cigna Denial Reversed! Hormone Therapy is Not Treatment That Limits Cancer Disability Claim Coverage

By Bonny Rafel

2014-12-27: Updated: 2014-12-27 17:58:27 Disability Caused by Multiple Sclerosis

By Bonny Rafel

2014-08-01: Updated: 2014-08-01 16:35:00 Temporary Improvement Does Not Signify Ability To Work

By Bonny Rafel

2014-07-28: Updated: 2014-07-28 10:55:57 Alternative Psychological Therapy for Claimants Disabled By PTSD

By Bonny Rafel

2014-07-25: Updated: 2014-07-25 16:18:30 Medical Marijuana to Treat Disability Substantiates a Claim

By Bonny Rafel

2014-06-30: Updated: 2016-12-21 12:44:14 Courtesy Disability Appeal Does Not Extend the Deadline For Filing Lawsuit in ERISA Disability Claim

By Bonny Rafel

2014-06-27: Updated: 2014-06-27 15:31:12 Parkinson’s Disease- A Disabling Disease

By Bonny Rafel

2014-06-24: Updated: 2014-06-24 12:35:21 AT&T Disabled Employee Proves Claim Administrator, Sedgwick Is Conflicted and Biased

By Bonny Rafel

2014-06-22: Updated: 2014-06-22 15:52:45 Psychiatric Disability Claims – How To Succeed Under ERISA

By Bonny Rafel

2014-02-03: Updated: 2014-02-03 12:09:07 Disabled Walmart Employee Deprived of His Day In Court Due to Statute of Limitations

By Bonny Rafel

2014-02-03: Updated: 2014-02-03 11:31:31 CIGNA Ordered to Pay Disabled Claimant a Surcharge Remedy

By Bonny Rafel

2013-07-22: Updated: 2013-07-22 09:33:25 A Revised Manual That Will Change the Handling of Mental Illness Disability Claims

By Bonny Rafel

2013-07-09: Updated: 2013-07-09 11:16:34 Surveillance is Often Misused to Justify a Denial of Disability Benefits

By Bonny Rafel

2013-07-09: Updated: 2013-07-09 10:18:11 New Jersey Consumers Entitled to Review of Disability Claims Denied from 2009-2010

By Bonny Rafel

2013-06-28: Updated: 2013-06-28 17:42:18 The Importance of Medical Support For Your Disability Claim

By Bonny Rafel

2013-05-25: Updated: 2013-05-25 18:51:31 CIGNA Agrees to Review Disability Claims Denied 2009-2010 and Change Disability Denial Practices

By Bonny Rafel

2013-05-15: Updated: 2013-05-15 15:42:38 Supreme Court to Rule on Time Limitations for Filing ERISA Insurance Lawsuits

By Bonny Rafel

2013-03-28: Updated: 2013-03-28 16:25:17 Disabled Nurses

By Bonny Rafel

2013-03-18: Updated: 2013-03-18 12:31:55 Forum Selection Clauses in ERISA Disability Insurance Policies Found Unenforceable

By Bonny Rafel

2013-03-17: Updated: 2013-03-17 20:21:37 How to Prove Your Disability Based on Fibromyalgia or Chronic Fatigue Syndrome

By Bonny Rafel

2013-03-11: Updated: 2013-03-11 17:48:55 Working While Disabled–Why You May Be Entitled to Disability Benefits Before Leaving Work

By Bonny Rafel

2013-03-04: Updated: 2013-03-04 09:41:50 Residual Disability Coverage – Does it Pay?

By Bonny Rafel

2013-03-01: Updated: 2013-03-01 16:58:10 ERISA May Apply to an Individual Policy if Purchased with Other Employees With a Premium Discount

By Bonny Rafel

2013-02-19: Updated: 2013-02-19 09:06:17 Long Term Care Insurance a Major Issue for Women

By Bonny Rafel

2013-01-21: Updated: 2013-01-21 09:47:09 Court Finds Risk of Relapse Can Be Disabling Condition

By Bonny Rafel

2013-01-18: Updated: 2013-01-18 10:50:40 Social Security Ruling May Help Fibromyalgia Patients with Disability Insurance Claims

By Bonny Rafel

2013-01-18: Updated: 2013-01-18 10:37:02 Reimbursement Clauses in Insurance Contracts are Challenged

By Bonny Rafel

2013-01-14: Updated: 2013-01-14 09:22:54 Early Detection of Alzheimer’s May Help Diagnose and Treat the Disease

By Bonny Rafel

2013-01-02: Updated: 2013-01-02 16:05:11 DSMV: Will It Impact Your Disability Benefits?

By Bonny Rafel

2012-12-17: Updated: 2012-12-17 14:42:14 Massachusetts Passes New Law to Protect Long Term Care Insurance Consumers

By Bonny Rafel

2012-12-17: Updated: 2012-12-17 13:55:03 Electronic Medical Records- Friend or Foe?

By Bonny Rafel

2012-11-25: Updated: 2012-11-25 18:12:54 Disability Due to Breast Cancer – New Treatment Options

By Bonny Rafel

2012-11-21: Updated: 2012-11-21 17:53:51 Chronic Fatigue Syndrome is a Serious Condition

By Bonny Rafel

2012-11-14: Updated: 2012-11-14 13:57:17 Hurricane Sandy: Homeowners Should Take Care When Filing Property Damage Claims

By Bonny Rafel

2012-11-01: Updated: 2012-11-01 13:00:00 Hurricane Sandy Causes Extensive Property Damage in New Jersey: We Can Provide Help to File Your Claim

By Bonny Rafel

2012-10-04: Updated: 2012-10-04 10:06:33 Unum Must Disclose Attorney Memo in Disability Case

By Bonny Rafel

2012-10-03: Updated: 2012-10-03 15:54:52 Deceptive Surveillance of Disability Claimants is Invasion of Privacy

By Bonny Rafel

2012-09-11: Updated: 2012-09-11 14:16:04 Court Decision Underscores Important Role of Disability Attorneys

By Bonny Rafel

2012-07-09: Updated: 2012-07-09 12:25:36 New Research May Explain Disabling Affects of Epilepsy

By Bonny Rafel

2012-06-11: Updated: 2012-06-11 09:41:30 Defense Contractor Employees Working in War-Zones Sue Over Enforcement of Wartime Exclusion

By Bonny Rafel

2012-06-01: Updated: 2012-06-01 11:57:23 Sleep Apnea is Disabling and May Cause Cancer

By Bonny Rafel

2012-04-30: Updated: 2012-04-30 17:44:51 Insurers Use Internet Postings to Deny Claims

By Bonny Rafel

2012-04-29: Updated: 2012-04-29 17:26:53 Effects of Cancer Treatment May Leave Patients Disabled

By Bonny Rafel

2012-03-29: Updated: 2012-03-29 10:00:28 Unum Pre-existing Condition Exclusion Does Not Apply To Disability Claim

By Bonny Rafel

2012-03-25: Updated: 2012-03-25 11:16:57 Dangers of Posting on Facebook

By Bonny Rafel

2012-02-18: Updated: 2012-02-18 13:17:35 Revised Diagnostic Criteria May Affect Autism Patients

By Bonny Rafel

2012-02-16: Updated: 2012-02-16 14:10:43 Insureds Must Avoid Fraud in Pursuing Claims

By Bonny Rafel

2012-01-09: Updated: 2012-01-09 11:04:23 ERISA Plan Required to Distribute $1.5 million Judgment to Employee

By Bonny Rafel

2012-01-07: Updated: 2012-01-07 14:41:18 States React to Unfair Discretionary Clauses

By Bonny Rafel

2012-01-05: Updated: 2012-01-05 18:13:09 Out-of-Network Health Benefits-New Jersey Courts Take A Stand

By Bonny Rafel

2011-08-28: Updated: 2011-08-28 09:50:04 Fact: Chronic Pain is Real and Disabling

By Bonny Rafel

2011-08-21: Updated: 2011-08-21 11:45:08 New Jersey Disability Case Establishes Important Standards in 3rd Circuit

By Bonny Rafel

2011-08-15: Updated: 2011-08-15 10:55:39 Increasing Inaccuracy in Health Insurance Claims Payment

By Bonny Rafel

2011-08-14: Updated: 2011-08-14 10:42:06 Living With Lower Back Pain

By Bonny Rafel

2011-08-12: Updated: 2011-08-12 11:18:35 Primer on Disability Insurance -Few Employees Are Covered

By Bonny Rafel

2011-08-11: Updated: 2011-08-11 11:57:41 Bias by Social Security Judges in Queens, NY

By Bonny Rafel

2011-08-09: Updated: 2011-08-09 12:38:29 Primer on Disability Insurance

By Bonny Rafel

2011-08-09: Updated: 2011-08-09 11:47:38 Unum Bad Faith Verdict in California- Jury Awards $4 Million

By Bonny Rafel

2011-08-08: Updated: 2011-08-08 15:23:49 Bonny G. Rafel “helped me through this diffucult time”

By Bonny Rafel

2011-08-08: Updated: 2011-08-08 14:46:29 Severe Migraines Can Lead to Disability

By Bonny Rafel

2011-08-07: Updated: 2011-08-07 12:44:03 Third Circuit Invalidates Arbitration Clause In Employment Contract

By Bonny Rafel

2011-08-04: Updated: 2011-08-04 11:30:07 New Jersey Disability Claimants Will Benefit From New Law

By Bonny Rafel

2011-03-31: Updated: 2011-03-31 11:24:17 Prudential’s Selective Review of Disabled Claimant’s Medical Records held Arbitrary and Capricious

By Bonny Rafel

2011-03-24: Updated: 2011-03-24 17:51:13 Helping Prove Your Disability Claim with Your Physician’s Help

By Bonny Rafel

2011-03-21: Updated: 2011-03-21 19:42:55 Disability Caused by Chronic Fatigue? Wall Street Journal Reports that Chronic Fatigue Research Continues

By Bonny Rafel

2011-03-20: Updated: 2011-03-20 17:44:30 ERISA- Still Overwhelmingly Viewed As An Insurers Law

By Bonny Rafel

2011-01-05: Updated: 2011-01-05 17:44:44 Four Largest United States For-Profit Health Insurers Increase Coverage Denials Based on Pre-existing Condition

By Bonny Rafel

2011-01-01: Updated: 2011-01-01 17:23:12 Should A Disabled Employee File A Second Level Appeal Of An ERISA Disability Denial?

By Bonny Rafel

2010-12-30: Updated: 2010-12-30 14:23:11 The Importance of Doctors Who Advocate for Their Disabled Patients

By Bonny Rafel

2010-12-11: Updated: 2010-12-11 11:39:43 Deciding Whether to File A Claim for Disability

By Bonny Rafel

2010-12-04: Updated: 2010-12-04 10:58:20 Interplay between Disability Benefits and Bankruptcy

By Bonny Rafel

2010-09-28: Updated: 2010-09-28 18:06:57 Are Insurance Companies Failing to Live Up to Their End of the Bargain in Long-Term Disability Policies?

By Bonny Rafel

2010-07-07: Updated: 2010-07-07 12:41:11 Rafel, a Hardworking, Caring Lawyer Wins My Disability Case

By Bonny Rafel

2010-05-18: Updated: 2010-05-18 17:39:46 Medical Proof: Depression can impair cognitive function

By Bonny Rafel

2010-05-17: Updated: 2010-05-17 17:00:08 Disabled People Risk that Their Actions, Captured on the Internet, Will Undermine The Claim

By Bonny Rafel

2010-03-24: Updated: 2010-03-24 18:59:09 Our Clients Speak Out About Their Experience With Rafel LLC

By Bonny Rafel

2009-12-18: Updated: 2009-12-18 09:06:12 Surveillance Video Abuse by Disability Insurance Companies

By Bonny Rafel

2009-09-30: Updated: 2009-09-30 14:37:51 New Jersey Long Term Disability Recent Cases -In What Direction is Our Judiciary Headed? Part III

By Bonny Rafel

2009-09-15: Updated: 2009-09-15 13:46:44 New Jersey Long Term Disability Recent Cases -In What Direction is Our Judiciary Headed? Part II

By Bonny Rafel

2009-09-13: Updated: 2009-09-13 12:53:33 New Jersey Long Term Disability Recent Cases -In What Direction is Our Judiciary Headed? Part I

By Bonny Rafel

2009-08-06: Updated: 2009-08-06 18:03:35 Culley v. Liberty Life- US Ct. of Appeals for the 3rd Cir. gets it right

By Bonny Rafel

2009-08-05: Updated: 2009-08-05 17:04:57 New Jersey Supreme Court Ruling on who is responsible for attorney’s fees in an insured’s claim against an insurer

By Bonny Rafel

2009-07-30: Updated: 2009-07-30 16:16:23 Rafel wins Parkinson’s Disease case for New Jersey client

By Bonny Rafel

2009-07-15: Updated: 2009-07-15 16:52:13 Rafel obtains reinstatement of disability benefits for New Jersey orthopedic surgeon

By Bonny Rafel

2009-06-26: Updated: 2009-06-26 15:38:18 Dental Disability Insurance- A Worthwhile Investment?

By Bonny Rafel

2009-06-23: Updated: 2009-06-23 13:52:37 Rafel Lectures on Long Term Disability Trends, including ERISA

By Bonny Rafel

2009-05-21: Updated: 2009-05-21 21:09:10 Disability Claims in a Down Economy, ALI ABA Web Seminar May 22, 2009

By Bonny Rafel