SEPTEMBER/OCTOBER 2006 5-5-5-5 - ufanyc · fighter’s career was ended prematurely by ......

With great sadnesstragedy struck our jobagain on Sunday,August 27, 2006. Fire-fighter Michael C.

Reilly of Engine 75 and Lt. HowardCarpluk of Engine 42 succumbed toinjuries sustained at Bronx Box 3-32797. All too often we are reminded howdangerous being a New York City Fire-fighter is. We will always keep them andtheir families in our thoughts andprayers.

It was especially difficult to lose theseFirefighters so close to the 5th anniver-sary of the September 11th attacks on theWorld Trade Center. On Sunday, Septem-ber 10th a Memorial Service was held atSt. Patrick’s Cathedral for the families ofvictims. On September 11th, the Compa-nies of the 18th Battalion hosted a memo-rial service at the Firefighters Monumentto honor the 343 brothers who made thesupreme sacrifice. In the morning of the11th, I joined President Bush, along withFirefighters, NYPD, and Port AuthorityPolice Officers at a breakfast at “FortPitt” firehouse (E-15, L-18) to honormany of the first responders who lost theirlives while saving others. We must neverforget our heroic fallen brothers. To thatend I continue to lobby politicians to rec-ognize our fallen brothers by building a

lasting tribute that properly memorializesthem at the World Trade Center site.

The UFA Executive Board is proud toannounce that Governor Pataki signed theStroke Presumption Bill for New YorkCity Firefighters. This bill was the num-ber one priority on the UFA’s legislativeagenda this year and last, and represents amajor victory for the union and all of itsmembers. Jim Slevin spearheaded ourefforts relentlessly pressing Albany andCity legislators.

This bill was strongly opposed by theMayor and City Hall who put on a full-court press to have it vetoed by the Gov-ernor.

In the end the UFA prevailed in its argu-ment that Firefighters who suffer fromstrokes are entitled to presumptive acci-dental disability benefits due to the higherrate of strokes among Firefighters.

It is a fact that New York City Fire-fighters have been suffering strokes atincreased levels, as compared to the gen-eral population, and this is an especiallysignificant concern because there are anumber of young Firefighters who haverecently been stricken with career endingstrokes. It was for this reason that theStroke Presumption Bill was our top leg-islative priority.

SEPTEMBER/OCTOBER 2006

OFFICIAL PUBLICATION OF THEUNIFORMED FIREFIGHTERS ASSOCIATION OF GREATER NEW YORKThe Bravest

President’s MessageBy STEPHEN J. CASSIDY

(Continued on page 2)

5-5-5-5

Lt. Howard Carpluk Firefighter Michael C. Reilly

After two years of revisions the billultimately passed the Senate and Assem-bly and the Governor determined the leg-islation was merited, due to the uniquedangers of our firefighting duties.

Until this bill became law, when a Fire-fighter’s career was ended prematurely bya stroke, it was not considered to be workrelated. The effort that went into gainingpassage of this bill was considerable.

On June 6th hundreds of our Firefight-ers joined the UFA Executive Board forLobby Day in Albany to have face-to-facemeetings with their respective legislatorsdiscussing the UFA legislative agenda,including the Stroke Presumption Bill, theWTC Presumption Bill, and other mattersbefore the legislature. The feedback frommembers of the legislature and their staffwas very powerful.

Among those who took part in theUFA’s 2006 Lobby Day was FirefighterKevin Malone (E-315) and his wife Mon-ica. Last year Kevin suffered a severestroke.

I would like thank UFA Vice-PresidentJim Slevin and all the members who par-ticipated in making Lobby Day such astrong success. Our members who active-ly support the UFA’s FirePac also deservea tip of the hat. During this election cycleit’s important that we make ourselvesavailable to volunteer for candidates thatsupport the UFA legislative agenda.

We are once again in contract negotia-tions. The UFA Executive Board has hadseveral meetings with the Office of LaborRelations (OLR) and future sessions havebeen scheduled. The UFA is the only uni-formed union currently in contract negoti-ations for this round of bargaining. ThePBA is in negotiations with OLR but theyare four years behind us. Their currentcontract expired July 31, 2002. Our cur-rent contract expired July 31, 2006. Sev-eral other uniformed unions that recentlysettled their contracts with the City (thatmirrored our four-year deal) are not set tobegin negotiations until mid-2007 or2008. In the last two rounds of contractsother uniformed unions were forced toextend their contracts to match the samewage increase as the UFA. I will continueto push forward to attain the maximumwage benefit for the dangerous job we doand for our added responsibilities in thisage of terrorism.

Fire Lines SEPTEMBER/OCTOBER 2006

w w w . u f a n y c . o r g

President’s Message(Continued on page 1)

A solemn and silent tribute to Firefighter Michael C. Reilly

A final salute is rendered to a fallen hero by those assembled as the casket is carried fromthe church.

Those gathered stand at attention as the casket carrying Firefighter Michael C. Reillyarrives at St Paul RC Church in Ramsey, NJ for the funeral services.

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By

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Fire LinesSEPTEMBER/OCTOBER 2006


The 2006 legisla-tive session isturning out to be

a very successful yearfor the UFA. Two majorpieces of legislationthat were priority billsfor the UFA weresigned into law by Governor Pataki. TheStroke Presumption Bill and the WTCDeath Benefit Bill. Both pieces of legisla-tion will provide greatly needed benefits tothe Firefighters and families that qualify forthem. Your union lobbied hard to securepassage of this legislation. Many obstacleshad to be overcome, including fierce oppo-sition from the administration.

The provisions of WTC Death BenefitBill state that surviving beneficiaries ofFirefighters who die from a 9/11 related dis-ease will now receive line-of-duty deathbenefits even if the member is alreadyretired. If the survivor is a spouse, the ben-efit is paid until the spouse dies; if it is achild, benefits continue until the childreaches 18. This bill is a great win for themembers of the UFA and hopefully we willnot see many families applying for this ben-efit. The original WTC Presumptive IllnessBill, which was signed into law in June of2005, now provides this important benefitfor the families of Firefighters that succumbto their illness.

The other monumental piece of legisla-tion that was signed into law for the UFAwas the Stroke Presumption Bill. The ideafor this bill came about three years ago. Asa member of the Pension Board, I noticedthat numerous Firefighters were beingafflicted with strokes and then consequent-ly being retired for ordinary disability. I feltthat there must be some connection to thestresses and hazards associated with our joband to the strokes with which these Fire-fighters were being afflicted. I contactedthe IAFF and asked them to provide mewith research and data about Firefightersand strokes. This data proved invaluablein helping us pass this legislation. In addi-

tion, the IAFF alsoprovided me with alist of states that alsorecognized this causallink between Fire-fighters and the higherincidence of strokescompared to the gen-eral population. Thefinal argument for pas-sage of this bill camewhen the Federal

Government changedthe law to includestrokes under the PublicSafety Officer Benefit.

Once we had all ofthis information wewent to work in draftingthe legislation and thenproceeded to lobby theAlbany legislators.The language of the billmade it retroactive toJanuary 1, 2002 to coverthe members that previ-ously were retired forordinary disability.Before we could getAlbany to act on this billwe needed a home rulemessage from the CityCouncil. We were toldthat they were not goingto do it. At a meetingbetween myself and theCity Council Speaker, Iexplained why NYCFirefighters needed thehome rule message. After some very per-suasive points were made they agreed to dothe home rule. It took two years of hardwork and revision to the bill, but we werefinally able to get it passed by both the Sen-ate and Assembly in June of this year.

Over the summer numerous meetingswere held with the Governor’s Staff aboutthe bill. The bill was finally sent to theGovernor on September 1st. Steve Cas-sidy spoke with the Governor numeroustimes and made the arguments for our posi-tion. Mayor Bloomberg also personallycalled the Governor and lobbied against the

bill. Ultimately our arguments prevailedand on September 13th the Governorsigned the Stroke Presumption Bill into law.

The UFA would like to thank GovernorPataki, Speaker Silver, Majority Leader JoeBruno, City Council Speaker ChristineQuinn and the sponsors of our legislation,Assemblyman Peter Abbate and SenatorMarty Golden. In addition a special thanksgoes out to all the members that attendedUFA Lobby Day and the City Councilhome rule hearing. Your actions showedhow important it was to the legislators tomake this bill a law.

Governor Pataki Signs Stroke Bill, WTC Death Benefit Presumption

By JAMES SLEVINUFA Vice President/

Legislative Chairman

Stephen Cassidy looks on as Governor Pataki signs the WTCDeath Benefit Bill



NY State Senate Majority Leader Joseph L. Bruno (center) is flanked by UFA President Stephen J. Cassidy and Firefighter Kevin Mal-one, E-315, UFA Board members and Firefighters on UFA’s Lobby Day in Albany.

Have you ever considered the factthat not a day goes by when youare not under surveillance? It’s

estimated that the average person is undersurveillance by between 10 and 100 cam-eras every day. Official estimates are notavailable; however, New York City isfilled with tens of thousands of privateand public cameras most of which areunregulated. According to an article byLisa Hoffman for the Scripps HowardNews Service, “virtually no one is keep-ing track of the use of these securitydevices.”

Cameras are everywhere: inside andoutside of buildings, on lampposts, inparks, store windows, ATM’s and morefrequently on streets and in intersections.New York City is in the process ofinstalling 500 cameras on street corners.Nowadays virtually every public and pri-vate area is being monitored. Post 9/11New York has witnessed a surge in pri-vate surveillance cameras. For example,the New York Civil Liberties Unionfound that in 1998 there were 13 videosurveillance cameras in Chinatown. In2004 there were over 600 cameras. Go to:www.mediaeater.com/cameras/locations.htmland you can see the locations of camerasin individual Community Boards in Man-hattan. If you are surprised at how manycameras there are, you will be even moresurprised to know that these cameracounts are all pre-9/11 after which thenumbers of cameras increased dramati-cally.

Astonishing results appear when youGoogle the key words: surveillance cam-eras NY. Web sites allow anyone with

Internet access toconnect directly tosurveillance cameraslocally and around the globe. Hoffmanpoints out that thereare virtually no“enforceable regula-tions on such mattersas who or what canbe watched, how

long images can be kept, who can see andshare them, and where a person’s ‘zone ofprivacy’ begins, and what recourse orpunishments exist if that privacy isabused.”

Responding units must therefore con-sider that constant surveillance isinevitable and that there is no way to con-trol who is watching and what will bedone with these video images. Hoffmannoted that these days cameras are avail-able “that can record in near-total dark-

ness and are so powerful they can read alicense plate up to a mile away or wordson a cigarette pack 100 yards distant.”Safety is always paramount whenresponding but extra vigilance is requiredin practicing safer driving techniques.Proceed with extreme caution through redlights and stop signs. You are beingwatched! Should an accident happenwith another vehicle or pedestrian whileresponding, it’s a good bet that the inci-dent would be captured on a camerasomewhere and ultimately shared with themedia, the Department, and with the Cor-poration Council. Likewise, chauffeursshould remember that many accidentshappen returning to quarters. Again, weall must presume that, like the generalpublic, cameras are monitoring yourevery action. Don’t give the Departmentany opportunity to put you and your fam-ily’s livelihood in jeopardy – continue todrive safely.



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Who’s Watching You?By DANIEL MURPHY

Manhattan Trustee

Coming In OctoberUFA

Fire LinesSpecial Endorsement

Issue



As general counsel for the Uni-formed Firefighters Association, I,and members of the UFA’s Execu-

tive Board, are often faced with the ques-tion of how to properly advise firefighterswho have been involved in rig accidentsor serious/fatal fires. The common ques-tion is: “What should I do if a Fire Chiefor a police officer wants to ‘interview’me?”

The answer to this question can be par-ticularly important in these days of harshFDNY discipline and potential civil liabil-ity. This article is intended to act as a gen-eral guide to UFA members whoencounter such a situation. I recommendthat UFA members familiarize themselveswith its main points. 1. RIG ACCIDENTS

(a) Police QuestioningIf you are involved in a rig accident,

either as a chauffeur or as a passenger,you should immediately notify the Trusteeon duty by calling the UFA general num-ber 212-683-4UFA(4832) so he can beavailable for assistance and advice beforeany interviews or interrogation takesplace.

I must emphasize, however, the impor-tance of realizing that you are under NOobligation to discuss an accident with thepolice. A police officer may ask the chauf-feur for his license and also request iden-tification of the other members on the rig.However, you have no duty under the lawto discuss how the accident happenedwith the police officers. Although youshould always use common sense, I sug-gest that everyone remember their right torefuse to answer questions put to them bythe NYPD. This includes both questionsposed by a responding patrol officer, aswell as officers specifically assigned toinvestigate the accident (i.e., highwayofficers or detectives). Even if you haveviolated no traffic rules or regulations, Istill recommend that you do not talk to thepolice. Can you imagine a police officerwho collided his vehicle with a fire appa-ratus agreeing to give a statement toFDNY investigators? Of course not! Weshould not give statements to the policeno matter how friendly or comforting theyappear. Your officer has the duty to makeout an Accident Report. That is one of the

responsibilities of his rank. It is not yourjob.

It is important to note, however, that ifthe rig has been involved in an accident, apolice officer can request a field alcoholtest - commonly know as the “Alco Sen-sor Test.” This is mandated by statute(Section 1194(1)(b) of the Vehicle andTraffic Law). You should submit to thetest but, once again, do not answer specif-ic questions.

If you fail the Alco Sensor Test or if thepolice officer has reasonable grounds tobelieve that you are under the influence,he can ask that you submit to a furthertest, usually a breathalyzer, at the policestation. If you refuse to submit to abreathalyzer test, your license will beautomatically suspended for at least sixmonths, unless you prevail at a “refusalhearing” that must be held at the Depart-ment of Motor Vehicles within 15 days.Essentially, the refusal hearing is heldbefore a DMV Judge to determinewhether the police officer had a reason-able ground to request a breathalyzer andwhether you knowingly refused. General-ly, it makes sense to submit to a breatha-lyzer test if you are certain you have notconsumed alcohol. This is particularlytrue in light of the Fire Department’s rightto conduct urine testing after a major acci-dent, as noted below.

I also note that a police officer can eas-ily obtain a Court Order for a breath,blood or urine test if he has reasonablecause to believe that you were drivingunder the influence and you wereinvolved in an accident that resulted in afatality or a serious physical injury.

(b) Fire Department QuestioningThe FDNY, unlike the police, does

have a right to question firefighters,including a chauffeur, about the circum-stances of a rig accident.

As noted above, that right can includethe right to demand a urine sample fromthe chauffeur when the chauffeur of anyDepartment vehicle “may be responsiblefor a major accident” (AUC 202 - para-graph 6.2.2).

Safety Bulletin No. 56 defines a majoraccident as: “An apparatus accident thatresults in either significant damage to theDepartment or civilian vehicle, or to pri-vate property. Any accident that results inserious injury or death to a civilian ormember.”

If you believe that there is a seriousissue as to whether “you may be responsi-ble for a major accident,” or whether theaccident qualifies as “major” within theabove definition, you should make theposition known to the Department andyour union Trustee. Your Trustee will con-front the Department on the issue and,hopefully, get it resolved. If that cannot beaccomplished and you are ordered to pro-vide a urine sample, you should obey theorder and ask that the Chief or officer incharge note your objection in writing. Ifthe test result is positive for an illicit sub-stance, we may be able to suppress theevidence in Court if the Departmentlacked proper basis to request the samplein the first place.

With regard to the questioning ofmembers after a rig accident, the Depart-ment has the right to try to determine thecircumstances or cause of an accident.Members other than the chauffeur aregenerally required to answer questions ifthey are physically or emotionally up to it.We have consistently urged the Depart-ment to wait for a day or two after an acci-dent before questioning any members sothat they may calm down. Such a delaywill also permit the UFA to have a repre-sentative represent the member at thequestioning. However, if a member isphysically or emotionally up to it, theDepartment can question the memberimmediately after the accident with orwithout union representation. Indeed,such interviews occasionally take placebefore the UFA is even notified of theaccident or is able to get to the accidentscene. Once again, we recommend thatmembers request union representation andnote that request in writing before submit-ting to any interview. If at any time duringan interview a member feels that he maypossibly become a subject of Departmen-tal charges, the member should immedi-ately ask that the interview be suspendeduntil he has an opportunity to have a UFAattorney present pursuant to the “Individ-ual Rights” provisions of the CollectiveBargaining Agreement (Article XVII). Ifthe officer conducting the interview stillinsists upon answers, we generally recom-mend that you do answer while notingyour objection. If it turns out that yourrights were violated, none of the answersyou provided can be used against you.

KNOW YOUR RIGHTS IF YOU ARE INVOLVED

(Continued on next page)

By Michael Block, UFA General Counsel

PLEASE POST



With regard to a chauffeur, it is theUFA’s position that a chauffeur, by defini-tion, is a possible subject of Departmentalcharges after a “major” apparatus acci-dent. The chauffeur should insist that henot be questioned until he is physicallyand emotionally able to do so and hasovercome the trauma suffered in the acci-dent. He also should insist upon unionrepresentation. Remember that a chauf-feur can theoretically face civil liability,as well as Departmental charges, after anapparatus accident and must insist that hisrights be protected. 2. SERIOUS/FATAL FIRES

More and more frequently the FDNY’sSafety Battalion seeks to interview fire-fighters who responded to fires that result-ed in serious injuries or fatalities to mem-bers or the general public. Indeed, afterthe recent fire of August 27, 2006 thatresulted in the deaths of a Firefighter anda Fire Officer, the Safety Battalion hadseveral Chiefs conducting simultaneous

interviews of members within hours of theoccurrence.

There is nothing in the Collective Bar-gaining Agreement that prevents suchimmediate interviews. The Departmentwill schedule safety interviews directlywith our members. The schedule will beforwarded to the UFA via email. A UFABoard member should be present to assistthe member with any question they mayhave. Before attending these interviewsplease confirm them with your Trustee.

Members should also always remem-ber that if they are not physically or emo-tionally capable of responding to ques-tions, they should say so and request thatthe interview be postponed until they haverecovered. We have every reason tobelieve that the Safety Battalion willhonor such a request.

Most importantly, if at any time duringan interview you feel that it is becomingan attempt to establish wrongdoing onyour part, immediately refuse to answerfurther questions until you have a UFAattorney/trustee present. Remind the

Chief or other officer involved of the“Individual Rights” provision of the Col-lective Bargaining Agreement, whichentitles you to union representation if youare a “subject in a Departmental investi-gation.” If the officer nevertheless insiststhat you continue to respond to questions,make sure he notes your request in writingbefore doing so.

I also note that after the initial inter-views taken immediately after an occur-rence, the Safety Battalion may conduct amore formal set of interviews, usually tak-ing place at Fort Totten. The Safety Bat-talion normally permits the presence of aUFA Trustee or other Board member toprotect your rights. You should insist uponsuch representation at those interviews.

Hopefully, the foregoing will provideyou with a guide in dealing with questionsyou may face after a rig accident orinvolvement in a serious/fatal fire.

If you have any doubts about yourrights, do not hesitate to contact the UFA.Your union will do everything possible toprotect you!

IN A RIG ACCIDENT OR SERIOUS FIRE(Continued from previous page)

PLEASE POST

The Firefighters Monument at 100th St. and Riverside Drive on September 11, 2006 with the wreath memorial-izing the 343 Firefighters lost in the World Trade Center attacks. Photo by: Stephen N. Symbolik



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1) It has come to my attention that some of the retirees haveUFA retired Firefighter cards with outdated phone numberson the back of the card. Below are the correct phone num-bers. Please cut them out and save them. New cards willbe printed and mailed in the near future.

UFA – (212) 683-4832FAX – (212) 683-0710

Security Benefit Fund – (212) 683-4723FAX (212) 683-0693

Welfare Fund (AMB/Oxygen) (718) 999-1886Pension Payroll (718) 999-2327

Art 1 (718) 999-1207Surgical Assistance (718) 999-1252

Honor Emergency Fund (718) 999-2531/2Pharmacare (Drugs) (866) 832-0563Dentcare/Healthplex (800) 468-0608

Marsh (Catastrophe Ins) (800) 503-9230Counseling Services (212) 570-1693/6

FDNY Retirement Desk (718) 999-2324City Health/Medical/Medicare Benefits* (212) 513-0470 –

please note this is not managed through the UFA-SBF2) Important Drug Information for non-Medicare retirees with

GHI Effective October 1, 2006 the co-payment for diabeticdrugs will be $5 for generic drugs, $15 for name branddrugs.

3) Reminder: The City Health/Medical Plan transfer period forretirees is November 1-30 (Transfers will become effectiveJanuary 1, 2007). Changing Dental Plans – You may changedental plans each year between October 15th & December15th. Most plan changes take effect of January 1st. For fur-ther info call (212) 683-4723.

4) The Broward County Retirees Association will be hosting aRetirees Conference on November 13,14,15, 2006. Thisconference is open to all UFA and UFOA retirees. UFABoard Members will address our retirees.

Hotel: The Rosen Plaza Hotel9700 International Drive, Orlando, FL 32819-8114

1-800-627-8258 (reservations)

Check-In: November 13, 2006Conference: November 14, 2006 8:00 am – 5:30 pm

November 15, 2006 8:00 am – 5:30 pm

Room Rate: $79.00 + tax single/double occupancyReservation room rate will be honored for an extended stay up

to November 17, 2006.

For information contact: Jerry Coffman at (954) 778-2010 ore-mail at: [email protected].

Important Retiree Information by JAMES DAHL, UFA Retiree Liaison

The New York City Fire Department Emerald Society Bagpipe Band made history in Ireland last month, whenthey came in 2nd Place in Grade 4 of the All Ireland Bagpiping Championships, held in Letterkenny, Co. Done-gal. The Band, which is composed of Active or Retired New York City Firefighters, is the first American Band inthe 61 year history of the competition to bring home a trophy from this prestigious event. The band competedagainst 17 other bands from throughout Ireland, many of them former champions, and were just a mere 2 pointsshort of claiming the 1st place honor. The band is pictured here with the Mayor of Letterkenny, Ciaran Brogan,and All Ireland Competition Officials.



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The most current UFA updates,

news, videos, audio Webcasts, and

photos are posted on our Web site at

www.ufanyc.org. Details relating to

the articles in this issue of Fire

Lines, such as the WTC Presumptive

Illness Bill appear on the Home

Page. During the week of Septem-

ber 11th, the Home Page contained a

moving tribute to the 343 Firefight-

ers who made the Ultimate Sacrifice.

If you didn’t get a chance to view it,

go to the Home Page and click on the

link: The UFA’s Tribute to Members

Who Perished on 9-11. As always

your input is appreciated and valued.

Web site Updates



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Engine Company 19 was one of the original engine companies established when the paid Fire Department was created in 1865. Thisphoto shows the members of the company outside their quarters at 355 West 25th Street between 8th & 9th Avenues in Manhattan’sChelsea neighborhood on the West Side. Engine Company 19’s first alarm district consisted of a mix of tenements and commercialoccupancies which provided them with a heavy workload. Engine Company 19 was disbanded in 1947. They may be gone, but they arenot forgotten. — Herb Eysser, UFA Staff

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Tel (212) 683-4832 • Fax (212) 683-0710www.ufanyc.org

DONALD RULANDTrustee-Staten Island ENG. 157

JOHN KELLYTrustee-Brooklyn ENG. 201Chairman, Board of Trustees

STEPHEN HUMENESKYTrustee-Queens ENG. 301

DANIEL MURPHYTrustee-Manhattan ENG. 74

EDWARD BROWNTrustee-Bronx LAD. 48

STEPHEN J. CASSIDYEditor-In-Chief

STEPHEN N. SYMBOLIKManaging Editor

STEPHEN J. CASSIDYPresident ENG. 236

Uniformed Firefighters Association

JAMES SLEVINVice President LAD. 7

JOSEPH MICCIORecording Secretary ENG. 295

ROBERT STRAUBTreasurer ENG. 45

WILLIAM ROMAKAHealth & Safety Officer ENG. 238Sergeant-at-Arms

LESTER LAYNEFire Marshal Representative BFI

ONLY ONE LAW FIRMAs General Counsel to the UFA for over 20 years, we have aproven record of obtaining substantial recoveries for firefightersand their families in all types of personal injury cases.

• Our firm recovered more than $830 Million for ourclients in the last five years alone.

• Over 250 of our clients have been awarded over $1 Million each.

• Line of Duty Injuries • Medical Malpractice • Automobile Accidents • Birth Related Injuries • Pharmaceuticals/Vioxx • Defective Products• Labor Law • Lead Poisoning • Slips and Falls

Contact: Michael Block 212-732-9000

The above figures are based on actual cases the firm has handled. These figures do not guarantee a particular recovery. Each case must stand on its own merit.

SULLIVAN PAPAIN BLOCKMCGRATH & CANNAVO P.C.

55 MINEOLA BOULEVARD 120 BROADWAY 126 STATE STREETMINEOLA, NY 11501 NEW YORK, NY 10271 HACKENSACK, NJ 07601

516-742-0707 212-732-9000 201-342-0037WWW.TRIALLAW1.COM

UFA FIRE AD REVISED.qxd 1/3/06 3:30 PM Page 1


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