• posted: May 26, 2021
• Tom Bulger
• accident,  auto accident,  auto insurance,  car accident,  uninsured motorist,  personal injury,  bad faith,  underinsured motorist,  UM

In most cases?  NO. Insurers are prohibited from raising a policyholder’s rates or canceling coverage in response to a claim for UM/UIM benefits, or from canceling your policy. If an insurer Read More

• posted: Apr. 02, 2020
• Tom Bulger
• bad faith,  health insurance,  insurance,  Coronavirus,  COVID-19

Many small business carry liability and other insurance in the event of a work place accident, or if a customer is injured.  But did you know many business insurance policies Read More

• posted: Oct. 03, 2019
• Tom Bulger
• accident,  auto accident,  auto insurance,  car accident,  uninsured motorist,  bad faith,  underinsured motorist,  wreck,  insurance,  insurance bad faith,  UM

We purchase insurance (car accident insurance, medical insurance, disability insurance, homeowners insurance) to protect us when tragedies happen.  Sadly, and while the insurance company is happy to collect the premium, Read More

• posted: Jan. 17, 2018
• Tom Bulger
• bad faith,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  insurance,  insurance bad faith,  ask what former clients are saying!,  If you want to know about a lawyer

From our Facebook page ... Chris Melnick reviewed Silvern & Bulger, P.C., Attorneys & Counselors at Law — 5 star January 14 at 3:05pm · Tom Bulger represented me in a long Read More

• posted: Jul. 04, 2016
• Tom Bulger
• auto accident,  auto insurance,  car accident,  uninsured motorist,  bad faith,  underinsured motorist,  wreck,  insurance,  arbitration,  insurance bad faith,  UM

I once had a client asked that question, and I was stumped. So, I asked my partner Steve Silvern for his thoughts.  Steve won prestigious academic awards in college at Cal-Berkley Read More

• posted: Jul. 01, 2016
• Tom Bulger
• auto insurance,  bad faith,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  insurance,  medical benefits,  Aetna,  Hartford,  Liberty Mutual,  LINA,  Reliance Standard,  Sedgewick,  UNUM

The vast majority of employee benefits, including long term disability, short term disability and medical benefits, are governed by ERISA.  Surprisingly, there are relatively few insurance companies and related companies Read More

• posted: Jul. 01, 2016
• Tom Bulger
• auto accident,  auto insurance,  car accident,  uninsured motorist,  motor vehicle collision,  bad faith,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  underinsured motorist,  health insurance,  insurance,  Social Security,  medical benefits

wWe are often asked why (and how) we can handle these different types of cases.  The answer is part of our firm's philosophy. Our clients, the “regular” working men and women Read More

• posted: Jun. 30, 2016
• Tom Bulger
• auto insurance,  bad faith,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  Administrative record,  insurance,  medical benefits

Do not believe everything you hear about ERISA (including "free advice" from a lawyer who does not actually handle these very specialized cases).  The bold is for emphasis;  separate the Read More

• posted: Jun. 30, 2016
• Tom Bulger
• bad faith,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  medical benefits,  insurance bad faith

Express Scripts Inc. and Anthem Inc. are accused in a proposed class action of breaching their ERISA fiduciary duties (i.e., their obligations to the thousands of employees promised prescription drug Read More

• 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
• 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