Disability Insurance Tips
Many people have short- and long-term disability coverage through their employer. However, many Colorado workers do not. There are many affordable options available, and this can be a valuable protection for your family.
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 »
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 »