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4800 Wadsworth Blvd. #307 , Wheat Ridge, Colorado 80033
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Local v. National Law Firm in ERISA Cases

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 Disability

Disability policies normally fall into 2 categories;  LTD and STD.  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… Read More »

Meet our lawyers; Tom Bulger, Esq.

Proud to serve Colorado since 1977!

Want to know about a lawyer? Ask his clients

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 »

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 »

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 »

ERISA and SSDI

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 »