Colorado Personal Injury Law Tip
If you have been injured in an accident, it is important to understand what subrogation is. If you have health insurance, Medicare or Medicaid, it may want to be reimbursed for the expenses it paid on your behalf. It is important to know what that amount is in evaluating any settlement.
Emergency Extension of Deadlines in COBRA Benefits
Losing a job is difficult for anyone. Applying for continued health insurance benefits under COBRA or State law can be complicated (just as with any employment benefits, including short term disability and long term disability benefits). The insurance companies set up countless deadlines and procedures to trap the unwary. More and more often, these companies… 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 »
Colorado Subrogation Law and ERISA
Colorado has law that addresses the reimbursement of health insurance carriers following a personal injury settlement or verdict at trial. That law limits the ability of a “payer of benefits” … in other words a health insurance company …. to seek reimbursement of benefits in a personal injury claim “only if the injured party has… 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 »
Medicare Open Enrollment To Begin Soon
Each year, Medicare has an open enrollment period. This year, the period is from October 15-December 2, 2019. It is important to review your insurance options during this period, to help you and your family prepare for the upcoming year. For more information, click here. At Silvern & Bulger, PC, many of our clients have… Read More »
The New Battle: ERISA Venue Provisions
In their never-ending search for advantage, many employers and insurance companies are now adding venue provisions to their group policies. In short, these provisions require the insured-employee to litigate their claims thousands of miles from where they work and live, which often increases the cost of the litigation dramatically. Before you “give in” to one… Read More »
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 »