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Recent Blog Posts

Comprehensive, Collision and Gap Insurance

Our firm has made it part of our mission to help inform our clients and the community about was to better protect themselves.  While we can help you and your family AFTER an accident, sometimes it is far better to protect yourself BEFORE hand.  We often counsel clients about insurance options, including liability, med-pay and… Read More »

Fighting for our client at the Court of Appeals

From a recent article on the Rueters wire: A 10th U.S. Circuit Court of Appeals panel on Wednesday seemed conflicted over whether Banner Health’s employee health insurance plan could deny coverage for a nurse’s knee surgery based on external medical guidelines rather than its own doctors’ opinions. Thomas Bulger of Silvern & Bulger, who argued… Read More »

Looking for a lawyer? What to look for and where to start

In many ways, the best way to get a sense of weather a lawyer is right for you, is a very personal question.  Not every lawyer (even a good lawyer) is right for every client.  But where to satart?  The best place ….  see what their former clients have to say.  We are very proud… Read More »

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 »