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