Bonny G. Rafel, LLC 17 Hanover Road, Florham Park, NJ 07932

"Bonny and her staff were fantastic in helping me with my LTD claim. Her knowledge and experience are unmatched, listen to her. I found her to be hardworking and focused, just what you need when dealing with insurance companies. I am forever grateful and highly recommend anyone dealing with these issues to retain Bonny."

"I had a very complicated case but Bonny Rafel guided me step by step all the way from the start to the end. She was always there when I have any questions. She is very knowledgeable, responsive and professional. Her staff are incredible as well. I can’t thank her enough and I'm highly recommending her for your disability issues."

"Bonny Rafel truly is “A Voice for the Disabled”. She won my case, almost 20 years ago, after it was initially denied. I will be forever grateful to her for being so thoughtful and understanding through the years. I must say everyone at her firm has always treated me with patience and respect as I struggle with my disability, especially Lucia. Her kindness has always been very comforting and means a lot to me."

"I was lucky enough to be given Bonny’s information when I found myself having to fight to regain my LTD benefits. I received a letter informing me my LTD benefits would no longer be paid out. The letter also informed me that I could appeal this decision. I felt this was just a mix up and I would easily handle the appeal myself and in the end I would win back my benefit payments. I quickly learned insurance companies will always shoot for the outcome that benefits themselves, even when you have several doctors, tests, records and diagnoses proving your permanent disability. Bonny and her team are extremely knowledgeable and provide you with all the tools and information you need in order to submit a successful appeal. They do everything in their power to ensure the information provided for your appeal is very black-and-white with no gray area that would allow the insurance company to interpret it in a way that favors only them. They keep you well informed and share ways to organize your information for the appeal. This way of tracking your information is one I will continue to use as I feel it will help reduce the stress of any future appeals I may face as now I will always have my medical information (I.e. doc appointments, records, tests, etc) ready to go. I will never be able to thank Bonny and her team enough for fighting for me and winning back my benefits. I was very lucky to have been given her name."

"My sincere thanks to Bonny and her team for assisting me with my disability case with my insurance company. They kept me well informed on progress and answered all of my questions. They provided a well-grounded road map of what I should expect during the process with an understanding of the impact of the process on my disability and mental health. They communicated with my health providers who also reported back to me that they were treated very professionally and felt my best interests were being protected. I strongly recommend anyone who needs a disability lawyer to reach out to Bonny and her team to review and discuss the particulars of your situation for sound advice and guidance!"