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