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4800 Wadsworth Blvd. #307 , Wheat Ridge, Colorado 80033
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What are clients saying about us?

 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! His fees are so reasonable and he explains them right up front. No confusing contracts. Tom is responsive to his clients needs and… Read More »

ERISA and the Statute of Limitations

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 from State to State, between the State and Federal Court system, and even from Judge to Judge.  To complicate matters, certain insurance companies offering health,… Read More »

ERISA and Change of Venue

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 in some far away jurisdiction like Delaware or Missouri (based on a clause in the policy you never saw, let alone agreed to).  What are… Read More »

I Have to Appeal a Denial of an ERISA claim; Do I need a Lawyer?

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.  The “Record” is made up, in most cases, of the documents and information that you submit during the initial claim, and during the appeal. … Read More »

WHO DO YOU FIGHT IN ERISA?

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 that insurer these claims (and we have worked with, and stood up against, the vast majority of them!).  This includes: CIGNA The Hartford Reliance Standard… Read More »

WHY DO YOU HANDLE ERISA, LTD, STD AND PERSONAL INJURY CLAIMS?

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 of Colorado, deserve the same high level services available to them that the large insurance companies and corporations that oppose them have. We strive to… Read More »

(A FEW MORE) COMMON ERISA MYTHS

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 myths from the facts to help navagate the complex world of ERISA that governs many long term disability, short term disability and other employee benefit… Read More »

(A FEW) COMMON MYTHS ABOUT ERISA

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 not.  ERISA, which governs many types of long term disability, short term disability, medical, dental, life and other employee benefits is a complex piece of… Read More »

ERISA NEWS: NEW DRUG PRICING LAWSUIT FILED UNDER ERISA

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 coverage by the employer) by entering into a 10-year, multibillion-dollar prescription-drug agreement that caused plan participants to overpay for benefits ( Burnett v. Express Scripts,… Read More »

COBRA, HIPPA and My Medical Benefits

COBRA & HIPPA (the Consolidated Omnibus Budget Reconciliation Act and Health Insurance Portability and Accountability Act) are parts of a broader and complex Federal statute called the Employee Retirement Income Security Act of 1974 (ERISA). ERISA, or the Employee Retirement Income Security Act of 1974, is a complex piece of Federal legislation that deals with… Read More »