Navigating Through Vocational Analysis To Prove Disability Under Group and Private Disability Contracts

(415 Ratings)

Produced on: September 20, 2014

Course Format On Demand Audio

Taught by


Course Description

Time 100 minutes
Difficulty Beginner

An insured making a claim under a disability insurance policy must deal with two disability definitions: (1) initially, the burden to prove that the claimant is unable to perform the duties of their occupation and (2) when the contract language shifts to proving an inability to perform the duties of “any gainful occupation." Ambiguities abound. The attorney representing a claimant must navigate through the policy terms, the relevant case law and approach the case with objective proof to substantiate the claim.  In this program, Lawline Faculty and experienced attorney Bonny G. Rafel LLC discusses the best methods with which to wade through the evidence and establish a client’s rights to disability benefits under the applicable policy language. Bonny dissects several vocational reports from the insurer and claimant angle as she investigates the keys to ultimate success.


Learning Objectives:

  1. Grasp what evidence is important when evaluating a claimant’s occupational duties
  2. Understand how the insurer typically limits the evidence considered in order to maximize return to work potential
  3. Evaluate the necessary components of a successful submission
  4. Spot legal issues related to evaluating ability to perform any gainful occupation and how to overcome obstacles

This course originally appeared as a part of our September 2014 Bridge the Gap Event.



Bonny Rafel

Bonny G. Rafel, LLC

Bonny G. Rafel is a highly regarded nationally recognized litigator, representing consumers in life and disability cases in New Jersey, New York, and many other states. She has received the highest rating, A+ Martindale Hubbell which is based on assessments by her peers. She is a founding member of AAOFDA, a national collaboration of experienced disability attorneys. She has been recognized as a "Super Lawyer" every year since 2010. Ms. Rafel has devoted substantial time during her busy career to mentor others through continuing education courses and shares her experiences by lecturing and writing in many venues. She speaks to varied groups, medical offices, trade organizations, insurance agencies, financial planners, medical support groups and specialty organizations on disability issues. Her successes have been recognized in the New Jersey Law Journal. She often authors timely articles in her field of specialty, which have appeared in many periodicals. Ms. Rafel is a regular featured speaker for the American Association for Justice, Lawline and the American Conference Institute on topics of bad faith, long term disability, health and ERISA matters. Ms. Rafel recently was an invited lecturer at the Annual AAJ Convention in Maryland where she discussed disability issues related to Multiple Sclerosis and Parkinson’s Disease. 

She personally interviews each prospective client with a paralegal selected based on the needs of each case. She provides leadership skills to our firm and her dedication to the cause of the disabled is truly admirable. She is the Voice of the Disabled.


Audrey M.

excellent speaker, great materials

thomas m.

Nicely done.

susan b.


Diane O.

Excellent speaker. Concise, informative, practical advice. Good summaries of pertinent case law. The client examples provided really helped with understanding the issues in this field and made the presentation very interesting. Thank you.

Laura B.

What an awsome CLE. The presenter is extremely knowledgeable on the subject and obviously passionate about her area of practice. I really learned a lot from this presentation.

randal m.


Isabel G.

Great presentation

Barbara L.

Very Informative!

Sue Ella K.

This is such an underserved area

Timothy H.

great seminar

Damon P.

Excellent speaker.

juliet s.

lecturer was very well informed and presented material in an easy to understandf manner.

Steven Y.

Great program- detailed and thorough!

Walter T.


Melissa K.

When you are gifted with a continuing education course that is presented by an atty who loves her field of practice, magic occurs. This course was outstanding in providing actual examples of the subject matter and how to successfully navigate the ins and

Elliot C.

Excellent presentation and very likeable speaker

Louise B.

excellent, practical info

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$ 99 Disability & Social Security Law In Stock


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