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
- Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend?
- Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend?
- UNUM's 2008 Profits Come at the Expense of Long-Term Disability Policy Holder's Piece of Mind
- Shocking UNUM Reversal Rate of 41.7%
- 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?
Social Security Disability (SSD)
- Something for Nothing - Do You Really Need a Lawyer to Represent You In Your Social Security Claim
- Having a Fool for A Clinet and Hiring a lLawyer in Your Socia Security Disability Case
- Your Veteran's Disability Rating Can Help You Win Your Claim For Social Security Disability
- 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 City and State Pension Disability Claims
Florida First Responders and Their Rights to Workers' Compensation Benefits
- Emma Murray Saves the Day for First Responders
- 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
- Cavey's Legal Dream Team - Utah Personal Injury Law Firm
- Cavey's Dream Team - Phoenix Husband and Wife Legal Team Mark and Alexis Breyer
- The Holidays and Divorce
- Shocking News - 140,000 Unexpected Requests for Social Security Hearings
- Back Log of Social Security Cases and Proposed Rules to Limit Evidence
- Real Life
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
Florida First Responders and Their Rights to Workers' Compensation Benefits
Florida First Responder's Job is Dangerous, Hazardous and Stressful
First Responders are exposed to hazardous situations daily. As a result, First Responders suffer chronic back, knee and shoulder injuires while responding to vehicular accidents, crime scenes and natural disasters.
First Responders have often contracted TB, hepatitis, or meningitis as a result of providing assistance to injured citizens in need of help. Others have developed breathing problems, allergies and even skin conditions as a result of exposure to chemicals or other substances responding to chemical fires, industrial spills, or meth labs.
As a result of stressful situations, many First Responders develop heart disease, hypertension, or mental or nervous injuries that result in the need for expensive and long term medical treatment and partial or total disability. In Florida, these conditions are presumed to be accidental and suffered in the line of duty entitling you to medical and money benefits. There are 3 presumption statutes (F.S. 112.18, 112.181 and 112.1815)-- not just the Heart/Lung Act that most First Responders are familiar with!
Many employers and workers' compensation carriers are wrongfully refusing to pay the benefits that are rightly owed or don't pay the right benefits. Far too many First Responders are misinformed, or not informed at all, about the Presumptions, the burining of unnecessary sick time, the reimbursement of hospital and doctor bills improperly paid under your Group Insurance Policy, your requirement to tell your employer about your condition, or the interaction between workers' compensation benefits, pension benefits and Social Security benefits.
Get Your Free Book "What First Responders Should Know about Florida's Presumption Statutes"
Nancy L. Cavey and Martin L. Leibowitz have written a book just for First Responders based on our extensive experience in handling First Responders claims to help you understand your rights to workers' compensation benefits, what to do before you stop working, the claims process and frequently encountered problems. For a free no obligation copy of our book "What First Respnders Should Know About Florida's Presumptions Statute" contact Nancy Cavey at
Do I need a lawyer and how do I get my questions answered?
By ordering our informative book, you have taken the first step toward securing the benefits to which you are entitled. The next, and most important step, is to call Nancy L. Cavey for Tampa Bay area cases at
I accept only a limited number of cases devoting my efforts to assisting you in the claims process as early as possible to address any potential roadblocks to your claim. Ordering our free book and scheduling a free no-obligation First Responder's Rights Analysis are the first right steps for all First Responders.
Library for Florida First Responders and Their Rights to Workers' Compensation Benefits:
- First Responder Rights to Psychiatric Care under the Florida Workers's Compensation System
Description: Do you know your First Responder rights to treatment for psychiatric care? You'd better becaause some Police adn Fire Department de-briefing teams and staff psychologists are giving First responders wrong information about their valuable rights to treatment for psychiatric care. This article explains how you can be entitled to psychiatric care even without physical injury. - Court Expands Florida First Responder Presumptions
Description: A new case expands the Florida First Responder Presumptions found in Heart/Lung Bill, Section 112.18(1). If you have a presumed condition, such as tuberculosis, heart disease or hypertension, which causes other medical conditions, the presumption expands to include those otherwise non-compensable conditions. Your employer must present clear and convincing evidence that your presumed compensable condition condition or the progression of that condition was caused by a specific non-work-related event for exposure. Otherwise, you're entitled to the presumption and Florida workers' compensation 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?