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Bonny Rafel is a nationally known disability lawyer who has decades of experience as a voice for the disabled. She focuses her law practice on representing people who are entitled to disability benefits and long term care coverage from insurance companies. She heeds the words of the late Supreme Court Justice, Ruth Bader Ginsberg, who said, “If you want to be a true professional, you will do something outside yourself…something that makes life a little better for people less fortunate than you.”


Ms. Rafel explains on a personal note, "I migrated to this area of the law after spending the first half of my career at a large 25 lawyer defense law firm. Despite working at a defense firm, I took on cases for the people, for products liability, construction claims, medical malpractice and complex auto trials; I was much more comfortable handling claims for people than insurance companies."


Educated at the University of Rochester, she attended Cardozo School of Law on a scholarship. After two decades as an attorney and eventually a partner in a 25-member suburban law firm, Bonny Rafel developed a passion for handling disability claims. Her interest in disability law piqued when she learned from her first disability client that he had been denied disability benefits even though his panic disorder kept him hidden under his desk, unable to trade stocks on Wall Street. She fought for his benefits in Federal Court and mediated the case against Paul Revere Life Insurance Company, who flew in their counsel from Maine to confront her in New Jersey. She did not back down, and won the case. She saw potential to help people battling their insurance companies and her passion translated directly into her strong affinity towards taking on the insurance disability companies. She saw that insurance companies took advantage of the disabled who were too weak, too financially distraught to fight them.


“I became laser focused on disability law as clients came to me, seeking a fair minded but aggressive attorney to represent them in their battle for disability benefits.”


Research revealed that insurers were focusing on claim management, not claim payments, as insurance companies drive to improve their financial bottom line caused the widespread denial of meritorious claims. The mantra of deny, deny, deny rang true. [The Rainmaker]


She began her crusade to help people, one by one, overcome the barriers placed in their way by insurers. She devoted her talent as a certified civil trial attorney at the time, to become “a voice for the disabled”. Since then, she formed her own law firm and for the past 15 years has built a firm foothold in the disability insurance industry, earning the respect of her peers and the insurance companies who know she will not back down until justice is served.


Indeed, thanks to the Rafel team’s attentive care of clients’ claims, she has succeeded in at least 95% of her cases, winning millions of dollars for her clients.



Contact Info:

Phone: 973-845-2600



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Bonny G. Rafel - America's Top Lawyer - Disability Law - New Jersey

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