Skip to main content

Annette Lee Rutkowski

Social Security & Disability Attorney at Carmel, IN

5.0   4 reviews

Licensed for 21 years

About Annette

Learn Annetteā€™s areas of practice.

Practice areas
  1. Social Security & Disability
    I provide representation for Social Security Disability cases at the initial application level through administrative appeals, and in civil actions before the Federal courts.

    22 years

  2. Insurance
    I provide representation in disputed Long Term Disability claims with private carriers.

    17 years


Photos and videos

Licensed for 21 years
State IN
Status Active In Good Standing
Acquired 2001
Updated 01/03/2023

We have not found any instances of professional misconduct for this lawyer.

Contact Annette

Annette Rutkowski
301 East Carmel Drive
Suite G003
Carmel, IN, 46032


5.0 / 5.0
  4 customer reviews
5 Star
4 Star
3 Star
2 Star
1 Star
Posted by anonymous | June 11, 2015
Excellent Lawyer
She was an excellent lawyer, that helped us navigate the often confusing, redundant world of dealing with the federal government especially regarding the process of filing for disability. We certainly recommend her services as a lawyer. She kept us informed and was very prompt in answering any questions that we may have had.
Posted by Mike | May 19, 2015
A Disability Lawyer Who Knows Her Stuff!
My case was a difficult one to prove because the symptoms of my illness have changed multiple times, and have sometimes been simultaneous for more than a decade. Eventually, my condition worsened to the point that I had to file for disability. After seeing literally dozens of doctors, who ordered many tests, which always came back in the acceptable range, it was decided that I had an occult histoplasmosis infection, though there was no proof. I had many courses of antibiotics before that diagnosis, including Cipro and Levaquin, of the Fluoroquinolone family. There is also no proof of my apparent allergic reaction to fluoroquinolones, because these symptoms can manifest decades later with many of the same characteristics of illness that I currently have or have had. Because of when I filed for disability, many of the records of my illness were not admissible as evidence. I had also worked during much of my illness. These turned out to be significant complications when filing for disability, but Ms. Rutkowski came through with flying colors. Knowing winning my case would be tough, she took on the considerable amount of extra work, and she did it right. She has a thorough working knowledge of the system, and did not hesitate to give me advice, which, no doubt because of her considerable experience, was always correct. The Judge who presided at my hearing was also very thorough, even calling several of my doctors during it, all of which made my hearing lengthy. In the beginning interview, Annette said that she thought she could win. She did. I highly recommend Annette Lee Rutkowski,
Read less
Posted by anonymous | September 25, 2020
This review is from a person who hired this attorney.
| Hired Attorney
She was a great attorney to work with. Ten min in front of the judge we won Highly recommend to others Excellent choice.
Posted by Elizabeth | December 19, 2018
This review is from a person who hired this attorney.
| Hired Attorney
So appreciated!
I haven't had a lot of need requiring legal advice so I was understandably nervous about hiring one. Annette was the perfect choice and so appreciated. She kept me calm and in the loop at all times and explained all the ins and outs of my case which eventually was decided in my favor. I would have no qualms at all about using her again.
Read less


  • Contingency 25%-25%


AVVO RATING 9.5 (Superb)

Work Experience

  • Attorney at Law
  • Law Office of Annette Rutkowski
  • 2012 - Present
  • Supervising Attorney
  • Keller & Keller
  • 2003 - 2012
  • Attorney
  • Holt, Fleck & Romine
  • 1999 - 2003


  • Indiana University School of Law, Indianapolis
  • JD - Juris Doctor
  • 2001
  • State University of New York, College at Oswego
  • BA - Bachelor of Arts
  • 1981


  • National Association of Women Lawyers
  • Member
  • 2014 - Present
  • National Organization of Social Security Claimants Representatives
  • Member
  • 2003 - Present
  • Indiana State Bar Association Social Security Committee
  • Chair
  • 2012 - 2014

Languages Spoken

  • English

Honors and Awards

  • Peer Review Rated
  • Martindale-Hubbell
  • 2016
  • Super Lawyer
  • SuperLawyers
  • 2014
  • Super Lawyer
  • SuperLawyers
  • 2013

Speaking Engagements

  • CLE
  • Advanced Social Security Practice
  • 2015
  • CLE
  • Social Security Bootcamp
  • 2015
  • Social Security Disability Bootcamp
  • Proving Disability under Sequential Evaluation
  • 2012
  • Social Security Disability Update
  • Video Conference Hearings
  • 2012
  • National Organization of Social Security Claimants Representatives
  • Video Conference Hearings
  • 2011
View all speaking engagements

Attorney endorsements

Received (1)
Given (0)
Endorse Annette
Social Security & Disability Attorney | May 15
Relationship: Worked together on matter
"I endorse this lawyer. Annette is a leader in this field and is always willing to help a colleague. She has been successful in representing claimants in disability matters and in appealing denials."
This attorney hasn't created any attorney endorsements recently on Avvo.
Carmel Social Security & Disability Lawyer Annette Lee Rutkowski
Annette Lee Rutkowski
Social Security & Disability Attorney
Carmel, IN
Licensed for 21 years