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4800 Wadsworth Blvd. #307 , Wheat Ridge, Colorado 80033
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Author Archives: Tom Bulger

Colorado Minimum Car Insurance Requirements

Did you know that there is a minimum mandatory amount of car insurance coverage in Colorado? As of the end of 2020, Colorado law requires drivers to carry: $25,000 per person to cover bodily injury; $50,000 per accident for bodily injury; and $15,000 per accident to cover the cost of repairing property damage. However, liability… Read More »

What is the Collateral Source Rule, and Why Should I Care?

You should care ….   It may be the most important rule you have never heard of when it comes to a personal injury case.  The Colorado collateral source rule states that even if an insurance policy or another collateral source pays your medical expenses, the defendant will be liable for the full amount of your… Read More »

What do our clients say about us?

Want to know about our firm?  Ask our clients: I worked with Bulger and he was great at explaining everything and walking me through every step of my case. It was easy to get updates by phone or email and send information via email. I couldn’t have asked for a better attorney for my case. … Read More »

Our Google Business Reviews

Want to know about our firm?  Ask our clients: Tom Bulger is the definition of a class act. He is kind, understanding, communicative, trustworthy, and most importantly, knows disability law inside and out. He is very creative (a rare quality among lawyers) and willing to take on a challenge, and he is able to find… Read More »

ERISA …. Beware of the Contract!

At Silvern & Bulger, PC we have been handling ERISA disability claims for many years.  These claims can be very complex, and there are many “traps” to watch out for.  Some of these can cost you your rights! One relatively new trend is for the insurance company to include a provision in the policy to… Read More »

ERISA and your SSDI benefits

At Silvern & Bulger, PC we have been handling claims under the Employee Retirement Income Security Act of 1974 (ERISA) for years.  One of the questions we are asking most frequently is why long term disability insurance companies are allowed to offset and take a credit for SSDI benefits.  The short answer?  Because the insurance… Read More »


What is STD, LTD and what is the difference?  In the law, lawyers and courts often use short hand.  For example, we often refer to ERISA (instead of the full name of the law, which is the Employee Retirement Income Security Act of 1974).  STD and LTD are “code” for different types of disability coverage…. Read More »

Read our latest review!

Here is what our clients’ are saying about us: “I worked with Tom Bugler in 2015 and was very pleased with his service, knowledge and reasonable rates. I recently ( 2019) I had a legal issue pop up and had to find counsel with in 6 business days. I called his office and they not… Read More »

Statute of Limitations and car accidents

Is there a deadline to file a lawsuit for a car accident?  YES!  Most civil cases have a statute of limitations that applies;  that is a law that puts a time limit on your right to have a lawsuit heard in a state’s civil court system. Specific time limits vary depending on the kind of… Read More »

Facebook Reviews

Here is what just one client has said about us on Facebook: My case was very complicated and took a few years. I had a major head injury and my body was healing too from a fusion in my neck to legs buckling without warning. I really appreciate the patience and understanding that this law… Read More »