• posted: Jan. 07, 2022
• Tom Bulger
• disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  COBRA,  medical benefits

Losing a job is difficult for anyone.  Applying for continued health insurance benefits under COBRA or State law can be complicated (just as with any employment benefits, including short term Read More

• posted: Dec. 10, 2019
• Tom Bulger
• disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  medical benefits

If your claim for Short Term Disability, Long Term Disability, medical or other benefits have been denied …  and the claim is governed by ERISA …  you have the right Read More

• posted: Oct. 26, 2019
• Tom Bulger
• accident,  auto accident,  car accident,  Hit and Run,  TRUCK ACCIDENT,  commercial truck,  emplyee retirement income security act,  ERISA,  underinsured motorist,  health insurance,  medical benefits

Colorado has law that addresses the reimbursement of health insurance carriers following a personal injury settlement or verdict at trial. That law limits the ability of a “payer of benefits” Read More

• posted: Oct. 10, 2019
• Tom Bulger
• disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  medical benefits

For many of us, our employee benefits are as important as our salary. Our benefits can include medical, dental, life, accident, long term disability and short term disability benefits.  When Read More

• posted: Oct. 07, 2019
• Tom Bulger
• accident,  auto accident,  auto insurance,  car accident,  commercial truck,  motor vehicle collision,  personal injury,  slip and fall,  wreck,  health insurance,  insurance,  medical benefits

Each year, Medicare has an open enrollment period.  This year, the period is from October 15-December 2, 2019.  It is important to review your insurance options during this period, to Read More

• posted: Oct. 01, 2019
• Tom Bulger
• disability,  emplyee retirement income security act,  ERISA,  long term disability,  short term disability,  health insurance,  insurance,  medical benefits

In their never-ending search for advantage, many employers and insurance companies are now adding venue provisions to their group policies.  In short, these provisions require the insured-employee to litigate their Read More

• posted: Jan. 25, 2018
• Tom Bulger
• accident,  auto accident,  auto insurance,  car accident,  disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  insurance,  medical benefits,  insurance bad faith

 A recent review from our Facebook page ......  Chana Guy reviewed Silvern & Bulger, P.C., Attorneys & Counselors at Law — 5 star Yesterday at 11:20am · Tom Bulger is the best! Read More

• posted: Jan. 18, 2018
• Tom Bulger
• disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  insurance,  medical benefits,  insurance bad faith

Every type of case has its own Statute of Limitations (the period that the law gives you to file a lawsuit to protect your rights).  These limitation periods can vary Read More

• posted: Jan. 17, 2018
• Tom Bulger
• disability,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  insurance,  medical benefits,  insurance bad faith,  Fighting a change of venue clause under ERISA

You live in Colorado.  You work here.  Your employer's insurance company denies your disability or medical benefit claim, and tells you that your policy requires you to file your lawsuit Read More

• posted: Apr. 28, 2017
• Tom Bulger
• auto insurance,  emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  Administrative record,  insurance,  medical benefits

The short answer .... in most cases, yes. In most cases under the Employee Retirement Income and Security Act (ERISA), the Court will decide the case based on the Administrative Record.  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
• emplyee retirement income security act,  ERISA,  short term disability,  long term disablity,  health insurance,  Administrative record,  medical benefits

There are many myths about ERISA (the Employee Retirement Income Security Act), and about what it is, what the rules are.  The reason is simple, even if the answers are 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