Consumer Rights and Protections


Consumers purchase products and services with the reasonable expectation that the purchase will serve the purpose it was intended to serve. When that purchase is an insurance policy--peace of mind--it is crucial that the consumer's expectations are met. When an individual purchases insurance coverage and is denied a claim, it can be a frustrating experience. Rosenfeld & Rafik, P.C., in Boston, Massachusetts, represents consumers who have purchased insurance protection and are now in a dispute with their insurance provider.

If you would like to learn more about exercising your rights as a consumer, please contact a lawyer from Rosenfeld & Rafik today to learn how we can help you.

Massachusetts Consumer Protection Act

Consumer rights are an important aspect of Massachusetts Law and are recognized under the Massachusetts Consumer Protection Act (Chapter 93A). Individuals such as self-employed business owners and physicians are not governed by ERISA and purchase their own insurance and benefits packages. As consumers, these individuals are protected under Chapter 93A from unfair and deceptive business practices.

Many business owners may elect to purchase key man policies, which are intended to help the company survive the loss of a person who is key to the survival of the company. This is essentially life insurance for the key, or most important, person in the company.

Individuals may also elect to purchase disability insurance or healthcare insurance.

As a consumer, these individuals have a reasonable expectation that the insurance coverage they purchased will provide them with peace of mind in the event of a business partner's death, an illness, or a long-term disability. Consumers have rights under Chapter 93A. At Rosenfeld & Rafik, we can inform you of these rights, your options, and the best way to proceed to obtain the benefits you are entitled to. Please contact us today.

Practice Areas

  • ERISA Coverage Disputes
  • Short-Term Disability Claims
  • Healthcare Benefits Law
  • Long-Term Care Benefits
  • Denied Premium Waiver
  • Consumer Rights and Protections
  • Health Insurance Denials
  • Representation of Non-Profits

Illnesses Represented

  • Agent Orange
  • Alzheimer's Disease
  • ALS (Lou Gehrig's Disease)
  • Arthritis
  • Autoimmune Disorders
  • Back and Neck Injuries
  • Cancer
  • Cardiac Diseases
  • Chemical Dependency
  • Chrohns' Disease
  • Chronic Fatigue Syndrome
  • Eating Disorders
  • Fibromyalgia
  • Gastroesophageal Reflux Disease (GERD)
  • Heart Conditions
  • Home Health Denial
  • Infertility
  • Lupus
  • MELAS Syndrome
  • Mental Illness
  • Multiple Chemical Sensitivity
  • Multiple Sclerosis
  • Parkinson's Disease
  • PLS, Post Polio Syndrome
  • Pre-existing Condition Exclusion
  • Repetitive Strain Injury
  • Retinal Detachment
  • Seizure Disorders
  • Schizophrenia
  • Traumatic Brain Injury

Rosenfeld & Rafik, P.C. is a law firm in Boston, Massachusetts, helping chronically ill and disabled people access the healthcare insurance system. We represent clients in cities that include Boston, Worcester, Springfield, Lowell, Hartford, Providence, Bridgeport, and New Haven. We also represent clients throughout Connecticut, New Hampshire, and Rhode Island.

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