• posted: May 12, 2015
• Tom Bulger
• uninsured motorist,  bad faith,  underinsured motorist,  insurance,  arbitration,  insurance bad faith,  UM

Nasca v. State Farm Mutual Auto Insurance Co., 12 P.3d 346 (Colo.App. 2000). We are proud of every case we handle.  Whether it is one of the thousands of quite settlements Read More

• posted: May 12, 2015
• Tom Bulger
• auto insurance,  car accident,  motor vehicle collision,  personal injury,  wreck,  liability

One of the most important aspects of any car accident injury claim is determining who or what was at fault for the crash. This can also be one of the Read More

• posted: May 12, 2015
• Tom Bulger
• ERISA,  health insurance,  COBRA,  HIPPA,  medical benefits

COBRA & HIPPA (the Consolidated Omnibus Budget Reconciliation Act and Health Insurance Portability and Accountability Act) are parts of a broader and complex Federal statute called the Employee Retirement Income Read More

• posted: May 12, 2015
• Tom Bulger
• bad faith,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  insurance,  Social Security,  SSDI

Often, potential clients are unsure of what type of disability benefit claim they have.  While there are many Federal, State and local programs that may apply, there are 3 primary Read More

• posted: May 05, 2015
• Tom Bulger
• ERISA,  short term disability,  long term disablity,  Administrative record

Your ERISA claim (life, medical, or long or short term disability) has been denied, and the insurance company is referring to "the Record" or "the administrative record." So what is Read More

• posted: Apr. 30, 2015
• Tom Bulger
• ERISA,  short term disability,  long term disablity

This is a complex question, but a common one.  Many injured and disabled employees keep working longer then they should, and do so for many reasons.  Sometimes it is financial Read More

• posted: Apr. 30, 2015
• Tom Bulger

  Your disability policy says that you are disable if you cannot perform the tasks needed for your "own occupation."  But, when your long term disability claim is denied, the insurance Read More

• posted: Apr. 30, 2015
• Tom Bulger
• ERISA,  short term disability,  long term disablity

In every case, the Court applies a certain standard of review, or the legal standards that will govern the claim.  Many people are familiar with the 2 most common;  the Read More

• posted: Apr. 29, 2015
• Tom Bulger
• disability,  ERISA,  short term disability,  long term disablity

ERISA, or the Employee Retirement & Income Security Act of 1974 (“ERISA”), is a complex piece of Federal legislation that covers most employee benefit plans and how employers and their contractors Read More