2021-06-07: Updated: 2021-06-07 17:24:28 Being Disabled Does Not Require You to Stop All Activities In Order to Prove Your Claim By Bonny Rafel
2021-06-04: Updated: 2021-06-04 17:00:10 Long Term Disability Claims Are Under Renewed Scrutiny By Disability Insurance Companies By Bonny Rafel
2020-06-07: Updated: 2020-06-10 14:38:43 How Does COVID Impact Disability Claims= The Big Picture By Bonny Rafel
2020-05-02: Updated: 2020-05-02 19:52:26 Disability Appeal Deadlines Tolled Due to COVID-19 By Bonny Rafel
2019-10-29: Updated: 2019-10-29 13:59:39 How to Overcome Disability Insurer Roadblocks To Continued Benefits By Bonny Rafel
2019-10-07: Updated: 2019-10-07 17:01:26 Disability Insurance Companies Evaluate Occupations Based on “National Economy” Rather Than The Claimant’s Actual Job- Is This Permitted? By Bonny Rafel
2019-08-29: Updated: 2019-08-29 15:19:53 Courts Rule That Deadlines for Disability Insurance Company’s Review of ERISA Appeal Cannot Be Extended By Bonny Rafel
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
2017-06-16: 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
2015-09-24: 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
2015-06-05: 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
2014-08-01: 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
2014-06-24: 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
2013-03-18: 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
2013-03-01: 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
2012-11-25: 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
2012-02-18: Updated: 2012-02-18 13:17:35 Revised Diagnostic Criteria May Affect Autism Patients 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
2012-01-05: Updated: 2012-01-05 18:13:09 Out-of-Network Health Benefits-New Jersey Courts Take A Stand 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
2011-08-12: Updated: 2011-08-12 11:18:35 Primer on Disability Insurance -Few Employees Are Covered 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
2011-08-07: 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
New Jersey Disability Lawyer Blog