Long Term Disability Expert Services in Colorado
KWVRS provides long term disability vocational, life care planning, and forensic economic analysis for attorneys handling cases in Colorado.
Overview
Long-term disability (LTD) matters assess whether a claimant is capable of performing their own or any occupation under the applicable policy definition, drawing on medical records, functional capacity evaluations, and labor market analysis.
Vocational and economic impact
LTD vocational analysis applies the relevant policy definition (own occupation, any occupation, reasonable occupation) to the claimant's documented functional capacity and transferable skills, identifying whether suitable occupations exist within medical restrictions.
Exposure is defined by the policy - monthly benefit amount, offsets, cost-of-living adjustments, and benefit duration to the policy maximum age.
Colorado courts and expert standards
Long Term Disability matters in Colorado are litigated in the state's trial courts, with vocational, life care planning, and economic testimony evaluated under Colorado's expert evidence standard. KWVRS prepares reports and testimony that account for these requirements.
Where these cases are heard
- District Court - Civil cases in any amount, domestic relations, criminal, juvenile, probate and mental health cases
- County Court - Limited jurisdiction; civil cases up to $25,000, misdemeanors, traffic
Highest court: Colorado Supreme Court. Federal venues: D. Colo.
Sources: Colorado Judicial Branch, Trial Courts by County: district courts hear civil cases in any amount, as well as domestic relations, criminal, juvenile, probate and mental health cases; county courts handle civil cases under $25,000, misdemeanors and traffic infractions; water courts have exclusive jurisdiction over water matters; Denver County's probate and juvenile courts; the Colorado Court of Appeals and the Colorado Supreme Court, the court of last resort (reviewed 2026-10-12); Colorado General Assembly, Colorado Revised Statutes 2024, courts and court procedure: the county court has concurrent original jurisdiction with the district court in civil actions in which the debt, damage or value of the personal property claimed does not exceed $25,000, and no civil jurisdiction except that specifically conferred upon it by law (reviewed 2026-10-12); Colorado Judicial Branch, Denver District Court: Denver's judicial district is not a combined court; its county, district, probate and juvenile courts are constitutionally separate courts (reviewed 2026-10-12); Colorado Judicial Branch, Denver Probate Court: exclusive jurisdiction over probate, estates, guardians and conservators and the adjudication of the mentally ill, in Denver County only (reviewed 2026-10-12); Colorado Judicial Branch, Denver Juvenile Court: a separate trial court serving the City and County of Denver, whose juvenile cases include adoptions, child custody and child support; paternity cases are filed there (reviewed 2026-10-12)
Attorney guides for long term disability cases
Other case types in Colorado
Frequently Asked Questions
What is the 'own occupation' versus 'any occupation' distinction?
Own-occupation policies assess disability based on inability to perform the claimant's pre-disability occupation. Any-occupation policies assess inability to perform any occupation for which the claimant is reasonably suited by education, training, and experience.
How is a transferable skills analysis used in LTD matters?
Transferable skills analysis identifies occupations the claimant could theoretically perform based on pre-disability skills, applied to the residual functional capacity to determine whether suitable alternative occupations exist within the policy's definition.
Do LTD cases often involve ERISA?
Employer-sponsored group LTD plans are typically governed by ERISA, which constrains procedural issues and review standards. Individual disability policies are generally governed by state insurance law.
References
- U.S. Department of Labor - ERISAGovernment
- Social Security Administration - Disability EvaluationGovernment
- O*NET OnLineGovernment
- Colorado Judicial Branch, Trial Courts by County: district courts hear civil cases in any amount, as well as domestic relations, criminal, juvenile, probate and mental health cases; county courts handle civil cases under $25,000, misdemeanors and traffic infractions; water courts have exclusive jurisdiction over water matters; Denver County's probate and juvenile courts; the Colorado Court of Appeals and the Colorado Supreme Court, the court of last resort (reviewed 2026-10-12)Government
- Colorado General Assembly, Colorado Revised Statutes 2024, courts and court procedure: the county court has concurrent original jurisdiction with the district court in civil actions in which the debt, damage or value of the personal property claimed does not exceed $25,000, and no civil jurisdiction except that specifically conferred upon it by law (reviewed 2026-10-12)Government
- Colorado Judicial Branch, Denver District Court: Denver's judicial district is not a combined court; its county, district, probate and juvenile courts are constitutionally separate courts (reviewed 2026-10-12)Government
- Colorado Judicial Branch, Denver Probate Court: exclusive jurisdiction over probate, estates, guardians and conservators and the adjudication of the mentally ill, in Denver County only (reviewed 2026-10-12)Government
- Colorado Judicial Branch, Denver Juvenile Court: a separate trial court serving the City and County of Denver, whose juvenile cases include adoptions, child custody and child support; paternity cases are filed there (reviewed 2026-10-12)Government
Ready to Get Started on long term disability cases in Colorado?
Contact KWVRS to discuss scope, timing, and the deliverables appropriate to the matter. Plaintiff and defense.