Please contact a lawyer from Rosenfeld & Rafik, P.C., for dedicated representation in any of these following practice areas:

ERISA Coverage Disputes

The Employee Retirement Income Security Act (ERISA) is a federal law that provides individuals with certain rights and protections. Our firm represents people who are denied healthcarebenefits and entitled to seek benefits through an internal appeal process.

Long-Term Disability Claims

Long-term disability insurance provides coverage to individuals to the age of 65. To be eligible for long-term disability, a person can no longer be able to work because of an illness or disability. We represent clients who are denied long-term benefits as well as those whose policies have been cancelled.

Short-Term Disability Claims

Short-term disability provides up to six months of insurance coverage for a sick or injured person. Our firm helps people throughout all phases of obtaining and maintaining short-term disability.
Health Insurance Denials Our firm represents chronically ill and disabled people who have been denied health insurance coverage. Health insurance coverage is crucial to people who need access to medical treatments, procedures, and medicines.

Healthcare Benefits Law

We routinely advise chronically ill and disabled clients in the coordination of healthcare benefits. We regularly help people maximize coverage related to insurance such as COBRA and Medicare.

Social Security Disability Claims

Individuals pay into the Social Security Disability Insurance (SSDI) benefits system through payroll deductions. If you are disabled, under the age of 65, and no longer able to work, you may qualify for SSD benefits. If you have been denied a claim for SSD, we can help.

Long-Term Care Benefits

The cost of long-term healthcare such as a nursing home or regular visits from registered nurses can be covered by long-term healthcare insurance. This is insurance consumers purchase, often through ERISA governed plans. When long-term insurance is denied, people can face serious problems paying for necessary care.

Denied Premium Waiver for Disabled Policyholders

Disabled policyholders are entitled to seek premium waivers for items such as automobiles, mortgages, and credit cards. If you have been denied a premium waiver, our firm can help.
Massachusetts Consumer Rights and Protections Individuals such as self-employed business owners and physicians are not governed by ERISA. Under the Massachusetts Consumer Protection Act (Chapter 93A), these individuals are protected from unfair and deceptive business practices.