Practice Areas

Long Term Disability ERISA and Private Disability Insurance Claims

Social Security Disability (SSD)

Disability Claims Application

Disability Claims Appeals

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

Florida Wage and Hour Law

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FREE Books

Florida's First Responder Heart/Lung Benefits: What You Need to KnowFlorida'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.

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Practice Areas

Long Term Disability ERISA and Private Disability Insurance Claims

While the Employment Retirement Income Security Act (ERISA) was meant to provide a fair and impartial review of benefit disputes, many insurers use the Act to systematically deny benefits. Severely injured or disabled workers find themselves facing financial ruin when their legitimate claims are refused. By taking advantage of what many policyholders do not know, insurers often intimidate policyholders or manipulate them into thinking that their options are limited. We defend the rights of policyholders by handling individual policy claims which are governed by Florida’s Insurance Laws, as well as claims brought against group disability plans which are governed by ERISA. We are currently offering a free book, "Robbed of Your Peace of Mind" on what you should know about your employer’s long term disability insurance.

Social Security Disability (SSD)

Aside from the physical and emotional conditions that prevent you from working, there is also a financial reality that can make an already bad situation even worse. The process of obtaining Social Security Disability Benefits can be confusing, time consuming and complicated, especially for one who is recovering from a traumatic event and adjusting to a life that has been irrevocably changed. At Cavey and Barrett we can help determine what benefits you are eligible for and whether you are likely to be considered "disabled" under the Social Security Rules and Regulations. We also complete all of the necessary paperwork, contact your medical providers and secure individualized reports that address your functional limitations and disabilities. If necessary, we arrange for additional medical examinations or vocational evaluations. Finally, we will file appeals on your behalf including a request for a hearing before an Administrative Law Judge if necessary and will prepare your case and represent you at your hearing. We offer a must read free informational book " Your Rights to Social Security Disability Benefits"

Disability Claims Application

Can you paint a picture why your condition entitles you to benefits? Understanding how to fill out your disability claims application is crucial to increasing your chances for the acceptance of your claim or success in the appeals process. At Cavey and Barrett we know that providing a complete and accurate picture of your medical history, work history and educational information and why your disability prevents you from working makes your case come alive and increases your chances for an award of benefits.

Disability Claims Appeals

In addition to the physical and emotional conditions that make it impossible for you to work, dealing the the Social Security Disability Application process can be time-consuming, frustrating and complex.A Social Security Disability applicant must file an initial claims application which is normally denied by the Social Security Administation. A disability claims appeal, called a Request for Reconsideration, must be filed within 90 days of the initial denial or the claim will be barred. The Request for Reconsideration is also usually denied and a Reuqest for a Hearing must be filed. Failing to timely file a disability claims appeal can be fatal to your claim. Statistics show that Social Security applicants with an experienced lawyer have a better chance of success and at Cavey and Barrett who help you through all phases of the Social Security Disabiltiy Claims process.

Florida City and State Pension Disability Claims

The Florida Retirement System Pension (FRS) bases its definition of “disability” on the opinion of an FRS administrator. While this would seem to be a reasonable condition for obtaining disability benefits, it could also prove disastrous for those that are unfamiliar with the process of reporting and validating their injuries. The attorneys at Cavey and Barrett have years of experience in removing doubt from claims of disability, and can help injured state workers get the compensation that they are entitled to and deserve.

Some cities have their own disability plans. They use examinations by their carefully chosen physicians to counter what their own worker’s compensation doctors have said about your ability to work. At Cavey and Barrett we will assist you with the paperwork and if necessary, secure individualized reports that address your functional limitations and disabilities. We may also arrange for additional medical examinations or vocational evaluations. If a hearing is necessary, we will prepare your case and represent you at that hearing.

Your Rights to Florida Workers’ Compensation Benefits - Medical Care and Lost Wage Benefits

Floridians hurt at work are entitled to Florida workers' compensation benefits, such as lost wage benefits like temporary total, temporary partial disability benefits,impariment benefits, and permanent total disabiltiy benefits. If you have an injury at work you may be entitled to medical treatment and medical mileage. Those with work place injuries are denied Florida workers' compensation benefits, or see those benefits reduced or discontinued. It may be necessary to hire a St.Petersburg Workers Compensation Attorney/workplace attorney to file a Petition for Benefits on your behalf to get the proper benefits. Nancy Cavey, a board certified workers' compensation attorney and a workers' compensation hearing/Floria workers' comp appeal lawyer, practices in St. Petersburg, Clearwater, Largo, and Tampa.

Florida First Responders and Their Rights to Workers' Compensation Benefits

Florida First Responders can suffer from heart disease, hypertension, hepatitis, meningitis, TB and mental or nervous injuries which are presumed compensable under F.S. 112.18 (Heart/Lung Statute). Their workers' compensation claims are being wronfully denied and First Responders can learn about their rights by ordering Free Copy of "What First Responders Should Know About Florida's Presumption Statute" at caveylaw.com

Florida Wage and Hour Law

Accepting a paycheck from an employer does not mean that you surrender your rights as a citizen. It is an unfortunate truth that many employers routinely take advantage of their employees. They refuse to pay for overtime, have employees work “off the clock,” alter times sheets, or require workers to arrive early to perform required preparations for their job. We provide our clients with a Wage/Hour Audit to determine whether or not they have been treated fairly in accordance with the law, and we provide thorough and dedicated legal counsel for those that have been taken advantage of by their employers. Cavey and Barrett are currently offering a special report on your rights as a working Florida citizen.

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