Bonny G. Rafel, LLC is a boutique New Jersey disability law firm specializing in representing individuals seeking short-term and long-term disability benefits, as well as long-term care claims. Based in Florham Park, the firm stands out for its hands-on, personalized approach to navigating the complex and often adversarial disability insurance claims process, particularly for professionals, employees, and elderly clients vulnerable to insurer denials.
The firm employs a strategic, client-focused methodology, assigning each case to a dedicated paralegal who works alongside attorney Bonny Rafel to build compelling claims from inception through litigation. With over 1,500 disability cases handled and extensive experience taking depositions and reviewing tens of thousands of pages of insurer documents, the team anticipates insurer tactics and focuses on submitting well-documented, successful claims to avoid delays and denials. They particularly excel in representing doctors, business professionals, and employees covered by ERISA plans, offering transparent, respectful guidance to clients facing career-ending medical conditions.
Services Offered
- Short-term disability claims
- Long-term disability claims
- Long-term care claims
- ERISA (group) long-term disability cases
- Individual disability insurance claims
- Disability claim filing and submission
- Administrative appeals for denied claims
- Federal court litigation for wrongful denials
- Claim evaluation and consultation
- Coordination with treating physicians for medical evidence
- Vocational reviews
- Mediation and settlement conferences
The firm represents clients nationwide, with a focus on New Jersey, New York, and Pennsylvania, serving all counties within these states. While they do not handle Social Security Disability claims, their extensive experience includes cases involving major insurers such as Unum, Provident, Prudential, Aetna, and others, reinforcing their reputation as a dedicated advocate for the disabled.
