Business Details
30 Years
experience
Trusted Boston Disability and ERISA Benefits Legal Representation
At Rosenfeld & Rafik, we are dedicated to advocating for chronically ill and disabled individuals denied healthcare and disability benefits. With decades of combined experience, our attorneys specialize in ERISA coverage disputes, long-term disability claims, and health insurance denials. We prioritize client-centered representation, emphasizing early intervention through internal appeals while maintaining litigation readiness to secure favorable outcomes.Our practice extends to advising nonprofits focused on healthcare access, reflecting our commitment to healthcare as a fundamental human right. Recognized for excellence, including Super Lawyers designations, we serve clients across Massachusetts and neighboring states, combining legal expertise with community advocacy to address systemic barriers in healthcare access.
Services
ERISA Coverage Disputes
Long-Term Disability Claims
Health Insurance Denials
Healthcare Benefits Law
Denied Premium Waiver
Consumer Rights Protection
Nonprofit Representation
Details
- Year established: 1996
Highlights and features
- We have secured millions in disability and healthcare benefits through appeals and litigation
- Our attorneys hold leadership roles in healthcare advocacy organizations
- Specialized expertise in ERISA-governed insurance plans and disability claims
- Client-focused approach with personalized case management
- Recognized legal excellence through Super Lawyers designations
Services
ERISA Coverage Disputes
We represent clients challenging denials of healthcare and disability benefits under ERISA-governed insurance plans. Our attorneys navigate complex federal regulations to secure coverage for medical treatments, disability income, and long-term care. With decades of experience, we combine strategic appeals with litigation readiness to achieve favorable outcomes for chronically ill and disabled individuals.
Long-Term Disability Claims
Our firm assists clients denied long-term disability insurance benefits due to chronic illnesses or injuries. We handle cases involving policy cancellations, eligibility disputes, and benefit terminations. Through thorough documentation review and legal advocacy, we help clients maintain financial stability when unable to work due to severe health conditions.
Health Insurance Denials
We specialize in overturning health insurance denials for critical treatments, medications, and medical procedures. Our attorneys work with clients to challenge improper claim rejections, coordinate benefits across multiple insurers, and ensure access to necessary healthcare services for vulnerable populations.
Nonprofit Legal Representation
We provide comprehensive legal support to healthcare-focused nonprofit organizations. Our services include governance advice, contract negotiations, and regulatory compliance for entities serving chronically ill and disabled populations, including Boston Health Care for the Homeless Program and Commonwealth Care Alliance.
Consumer Rights Protection
We protect self-employed individuals and professionals under Massachusetts consumer protection laws. Our attorneys challenge unfair insurance practices, premium waivers denials, and coverage exclusions that violate state regulations and contractual obligations outside ERISA-governed plans.
People
Stephen Rosenfeld
Partner
Co-founding partner with 30+ years of healthcare law experience. Board member of Health Care for All and founder of Health Law Advocates. Specializes in ERISA litigation and nonprofit legal counsel.
Mala M. Rafik
Partner
Super Lawyers honoree with expertise in disability benefits and healthcare advocacy. Serves on ACLU and Massachusetts Advocates for Children boards. Handles complex ERISA disputes and insurance litigation.
Socorra DeCelle
Attorney
Experienced legal counsel focusing on health insurance denials and disability claims. Active in community legal education initiatives and client advocacy programs for chronically ill individuals.
Questions
What types of disability claims do you handle?
We specialize in long-term disability claims, short-term disability denials, and premium waiver disputes under ERISA-governed plans.
How do you approach healthcare benefit denials?
We prioritize internal appeals with insurers while preparing for litigation, having secured millions in successfully overturned denials.
Do you represent clients outside Massachusetts?
Yes, we serve clients throughout New England including Connecticut, Rhode Island, and New Hampshire.
What is ERISA and how does it affect my case?
ERISA is federal law governing workplace insurance plans. It establishes specific procedures for appealing denials of disability or healthcare benefits.
Can you help with nonprofit healthcare organizations?
Yes, we provide legal counsel to healthcare-focused nonprofits, including Boston Health Care for the Homeless Program and Commonwealth Care Alliance.
