Rafel LLC is a disability insurance law firm representing people seeking short term and long term disability benefits and long term care. From her home base in Florham Park, NJ, attorney Bonny Rafel helps individuals navigate through the difficult process of filing for disability with insurance companies, and fighting for their benefits when the claims are denied.
She helps the elderly with long term care claims, because these vulnerable aged individuals need protection from insurers denying coverage. Her hands-on approach to each case with her team of experienced paralegals creates a strong offense, used daily to deal with insurers who are most interested in denying claims, rather than paying claims. Our clients receive the personal touch only a small firm can provide.
We skillfully tackle claims at all stages, from the initiation of a claim when our clients first find themselves unable to continue working, to the acceptance or denial of the claim, to the administrative appeal process and litigation when necessary.
She helps the elderly with long term care claims, because these vulnerable aged individuals need protection from insurers denying coverage. Her hands-on approach to each case with her team of experienced paralegals creates a strong offense, used daily to deal with insurers who are most interested in denying claims, rather than paying claims. Our clients receive the personal touch only a small firm can provide.
We skillfully tackle claims at all stages, from the initiation of a claim when our clients first find themselves unable to continue working, to the acceptance or denial of the claim, to the administrative appeal process and litigation when necessary.
Services
Lucia Pitti: Ms. Pitti began her career in law while clerking for Ms. Rafel in 2002 as a freshman in college.
Ms. Pitti graduated from Montclair State University in 2006 with a BA in Justice Studies and Paralegal Studies.
Interested in devoting her career to helping others less fortunate, she approaches each day with an orderly plan to service her assigned clients and leaves each day with a sense of accomplishment that she has helped them.
With the firm since its first day, Ms. Pitti takes pride in her personal approach to each client, some she has known for over 10 years and others she has recently met.
Ms. Pitti graduated from Montclair State University in 2006 with a BA in Justice Studies and Paralegal Studies.
Interested in devoting her career to helping others less fortunate, she approaches each day with an orderly plan to service her assigned clients and leaves each day with a sense of accomplishment that she has helped them.
With the firm since its first day, Ms. Pitti takes pride in her personal approach to each client, some she has known for over 10 years and others she has recently met.
We help you by carefully assembling your medical records, and evaluating whether the medical record accurately charts your course toward disability.
Did the doctor fail to record material objective information now essential to proving your disability?
Are there records that contradict the progressive medical condition and its impact on you?
We carefully scrutinize your records before submitting a claim, so the path for a successful submission becomes clear.
We help document how your medical condition prevents you from performing your job demands.
Did the doctor fail to record material objective information now essential to proving your disability?
Are there records that contradict the progressive medical condition and its impact on you?
We carefully scrutinize your records before submitting a claim, so the path for a successful submission becomes clear.
We help document how your medical condition prevents you from performing your job demands.
There are several disability income benefits that may be available to you.
In New Jersey, most employers must either contribute to state mandatory TDB benefits coverage or have their own short term disability coverage for up to six months of disability.
Alternatively, many employers offer "salary continuation benefits" for the first three or six months of disability.
This may coincide with leave under the FMLA.
Salary continuation benefits are taxed in the same format as regular income, and may be paid based on a percentage of your salary depending on your years of service for your employer.
In New Jersey, most employers must either contribute to state mandatory TDB benefits coverage or have their own short term disability coverage for up to six months of disability.
Alternatively, many employers offer "salary continuation benefits" for the first three or six months of disability.
This may coincide with leave under the FMLA.
Salary continuation benefits are taxed in the same format as regular income, and may be paid based on a percentage of your salary depending on your years of service for your employer.
Topic: IMEs, Treating Physicians and Paper Reviewers- Who Legitimately Makes the Decision As to Disability?
Topic: Latest trends in Fibromyalgia, Moderator.
Organization:: American Conference Institute 7th National Advanced Forum on Litigating Disability Insurance Claims, Boston, Mass.,
Organization:: American Conference Institute 6th National Advanced Forum on Litigating Disability Insurance Claims, Boston, Mass.,
Several articles are available in PDF file format.
To view these on your computer you will need Adobe's Acrobat Reader.
Topic: Latest trends in Fibromyalgia, Moderator.
Organization:: American Conference Institute 7th National Advanced Forum on Litigating Disability Insurance Claims, Boston, Mass.,
Organization:: American Conference Institute 6th National Advanced Forum on Litigating Disability Insurance Claims, Boston, Mass.,
Several articles are available in PDF file format.
To view these on your computer you will need Adobe's Acrobat Reader.
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