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4800 Wadsworth Blvd. #307 , Wheat Ridge, Colorado 80033
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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 »

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 »

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 Deadlines and COVID-19

In response to the Covid-19 pandemic, the US government has extended many of the deadlines to file an appeal under the Employee Retirement Income Security Act!  If you have a claim for disability or medical benefits, but thought you missed your deadline, we may be able to help.  Call 303-292-0044 for a free consultation today!

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 »

Wait List for services for the disabled hits all time high

According to the Denver Post, many of the most vulnerable and in need citizens in Colorado are having to wait months for much needed care and services.  To learn more about this terrible situation, click here. While we may not be able to solve every problem, or force the government to move faster, we may… 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 »