Practice Areas
Long Term Disability ERISA and Private Disability Insurance Claims
Social Security Disability (SSD)
Florida City and State Pension Disability Claims
Your Rights to Florida Workers’ Compensation Benefits - Medical Care and Lost Wage Benefits
Florida First Responders and Their Rights to Workers' Compensation Benefits
Cavey Law Blog 
Long Term Disability ERISA and Private Disability Insurance Claims
- Help! The Long Term Disability Adjsuter Wants to Take My Statement or Come To My House
- Protect Yourself from Surveillance By the Long Term Disability Carrier
- Has Hartford Targeted Your Long Term Disability Claim For Termination
- Cancer is Top Cause of UNUM's Disability Claims
- New York Insurance Comissioner Says UNUM is Complying with Claims Handling Agreement
- Must a Long Term Disability Carrier Give You Medical Reports They Rely on To Deny Your Claim?
- What is ERISA and Why Should You Care?
- Long Term Disability Carriers Clog Up The Social Secuirty System
Social Security Disability (SSD)
- Immune System Disoders Listing Updated by Social Security
- Social Security Is To Give GREAT Weight to VA Disability Ratings
- Asksing for An On the Record Decision
- The VA Doctors's Duty to Respond to Medical Information in Your Social Security Case
- Social Security Benefits For " Wounded Warriors"
- Clogged Social Security System
Florida First Responders and Their Rights to Workers' Compensation Benefits
- Dynamite Decision on Pre-Employment Physicals and First Responders
- Risks Factors Don' t Mattter Any More In Florida First Responder Claims
- New First Responder Peripheral Vascular Disease Decision Extends Presumption
General
FREE Books
Florida's First Responder Heart/Lung Benefits: What You Need to Know
Your Wage and Hour Rights -Information Your Employer Never Wanted You to Hear.
Your Rights to Social Security Disability Benefits - Information the Social Security Administration Rarely Tells Your About Your Claim.
Robbed of Your Peace of Mind? Important Information on Long Term Disability Insurance Policies, The Claims Process, and How to Win Your Long Term Disabality Benefits.
Latest News
- Have You Been A Victim Of UNUM or another LTD Carrier Denial?? How to Protect Yourself
- Social Security Disability Hearing Delays in Tampa Bay and Propsed Legislation to Speed Up Your Hearing
- Employer can reduce injured worker's pay
- Disability Cases Last Longer as Backlog Rises
- Study Shows Minimum Wage Not Enough to Live In Parts of Florida
- Starwatch consumer: Burger King pressures suppliers
- Florida Workers' Compensation Rates Reduced For 5th Consecutive Year
- Employers owed $42 Million
- Couple indicted in disability scam
- Insurance regulators release annual report on workers comp insurance, approve 18.4 percent rate reduction
Library
What Should I Do If My Claim Is Denied?
If your claim is denied, you should file an appeal! Since a large number of decisions are reversed on appeal, it is WORTH YOUR TIME AND EFFORT!! In addition, if you do not file the appeal in the required time, you give up your right to appeal. If you change your mind and want to continue your claim, you have to start over with a new application, and that is not in your best interest because:
1. By repeatedly starting over, you add additional delays to an already lengthy process.
2. Disability claims are denied most of the time at the first two levels. You will have your best chance at a fair and objective decision when you appear before an Administrative Law Judge. But you will not get that opportunity unless you file the appeal and do so on time!
3. You risk losing benefits if the claim is eventually won because back benefits are only payable up to a maximum of 12 months from the date of the application.
*Click here for a FREE copy of "Your Rights to Social Security Disability Benefits"
Contact Us Today - Free Consultation
Cavey & Barrett
821 16th Street North
St. Petersburg, FL 33734-7539
Phone: (727) 894-3188
Fax: (727) 821-2751
The Law Offices of
Cavey and Barrett
821 16th Street North
Post Office Box 7539
St. Petersburg, FL 33734
Workers' Compensation
727-894-3188
Long Term Disability
727-897-9053
Social Security Disability
727-897-9117
Fax: 727-821-2751
FAQs
Long Term Disability ERISA and Private Disability Insurance Claims
Social Security Disability (SSD)
- How is disability defined and how do I apply for the benefits?
- Should I wait to apply for disability before applying for benefits?
Florida City and State Pension Disability Claims
Your Rights to Florida Workers’ Compensation Benefits - Medical Care and Lost Wage Benefits
- Is it possible to obtain both the State workers’ compensation benefits and Social Security benefits?
- How is it determined under law whether I am an employee or an independent contractor for the purpose of workers’ compensation claims?