The Guardian Life Insurance Company recently announced in April 2010 that they have reduced premiums for its Short Term Disability and Long Term Disability choice plans. They’ve raised the maximum Short Term Disability benefits to $1,500, and the maximum Long Term Disability benefits from $2,500 to $10,000. Despite reducing the premiums and increasing its coverage, […]

If you suffer from MS and are having difficulty with your long term disability claim, Nancy Cavey, experienced long term disability MS attorney, suggests that part of the problem you might be having is your failure to fully explain all the problems that you have as a result of your MS. This can include difficulty

At The Law Offices of Nancy L. Cavey, we urge our clients who are disabled because of their chronic condition to consider consulting with an estate planning attorney. Why? If you, for example have a chronic illness such as MS, Parkinson’s or even Alzheimer’s, you must have a plan and legal protections in place to

If a first responder has a permanent impairment rating of at least 20% after having reached maximum medical improvement, the first responder might be entitled to Florida workers compensation supplemental wage loss benefits. These are very valuable money benefits and, depending on your average weekly wage and compensation rate, could be in excess of $100,000.

A long term disability carrier will normally provide you with a “legal representative” that they hire. Did you know that the representative might not be an attorney; they might be a part of a nationwide company? The long term disability company is going to entice you to use their representative, with the suggestion that this

The Florida Supreme Court entered a blockbuster decision on October 23, 2008 on the Florida workers’ compensation attorney’s fees provisions of the 2003 Florida workers’ compensation statute in Emma Murray v. Mariner Health, 33 Fla. L. Weekly S845.  Click to read the decision. The decision is important to all Florida first responders! The Florida legislature

Just because you are covered by the Florida Heart and Lung Act, does not mean you get benefits. You have to be disabled! OK, but HOW long do you have to be out to meet the disability standard? In an awful decision in Bivens v. City of Lakeland, 33 Fla.L. Weekly D2342b (October 2, 2008),

In an awful decision, Bivens v. City of Lakeland, 33 Fla. L. Weekly D2342b (October 2, 2008), firefighter Bivens claimed workers’ compensation benefits arguing that his hypertension was a covered condition under the statutory provisions of section 112.18(1). The First District ruled that essential hypertension was not a form of hypertension covered by Section 112.18(1).

The First District Court of Appeal has held in two cases that you must be disabled for the presumption to apply. In Sheaffer v. City of Kissimmee, 942 So2d. 887 (Fla. 1st DCA 2006) and in Miller v. City of Del Ray Beach Police Department, 31 FLW D465 (Fla. 1st DCA 2006) record ruled that