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4800 Wadsworth Blvd. #307 , Wheat Ridge, Colorado 80033
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STD and LTD

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 »

ERISA and the Statute of Limitations

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. One relatively new trend is for the insurance company to include a provision in the policy to shorten the normal statute of limitations that would… Read More »

What is the difference between STD and LTD?

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. STD stands for short term disability.  When it is… Read More »

Read our latest review!

The best measure of a law firm, and the service it provides, is what former clients are saying.  We are proud of our 5 star rating, and the over 50 positive online reviews of our firm.  Here is the latest: “Just an update. Think I left him a great review before, but Tom Bulger is… Read More »

Finding an ERISA Lawyer; Should I Hire a National Firm?

Finding the right lawyer for you is a personal decision.  There are many large national firms that advertise that they handle ERISA (disability, medical) claims no matter what state you are in.  For some, that is a good choice. Many of our clients prefer a local attorney.  We have been practicing in the Denver Metro… Read More »

ERISA and SSDI Offsets

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 policy says they can, and the law permits it.  The next question we are asked?  Does the insurance company waive that offset… Read More »

ERISA Appeals

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 to appeal.  You not only have the right, but you are probably required to file an appeal. When filing an appeal, it is critical to… Read More »

ERISA Denial Letters

ERISA, the Employee Retirement Income Security Act of 1974, is a complex Federal law that applies to most types of employee benefits.  This often includes claims for Long Term Disability and Short Term Disability.  If your claim is denied, the plan administrator (often the insurance company that insures the benefit plan) must send you a… Read More »

ERISA and SSDI

Many of our clients assume that if they get SSDI benefits from the government, this guarantees that they will win their ERISA long term disability case.  Unfortunately, that is not always the case. The recent decision in  Ortiz v The Hartford, 2019 WL 5697784 (D. New Mexico November 4, 2019) is a good example.  There,… Read More »

Employee Benefit Claims

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 those benefits are taken away, or if the employer or insurance company does not live up to their promises, it is important to get help… Read More »