Recoup Losses from Health and Disability Payouts via Subrogation
The litigation of health subrogation claims and the subrogation of disability insurance claims can be very complicated. Between the changing federal laws governing healthcare providers and constant alterations to anti-subrogation state laws mandating the made whole and common fund doctrines, these claims can feel like a moving target.
Rathbone Group understands the importance of HIPAA compliance for all our subrogating healthcare clients. When personal injury claims arise, self-insured employers are acting as their own insurers. Traditional insurance companies avail themselves of the opportunities and defenses available through subrogation law, and self-insured companies are wise to similarly protect their bottom line.
Why Retain a Subrogation Law Firm for Health and Disability Claims?
The complications that arise from these types of claims can be many, and the losses sizable if not handled correctly. Often, an insurer simply does not have the resources to fully pursue viable subrogation claims. A subrogation-focused legal team can take on the burden of existing claims, revisit the viability of past claims, and handle future cases. This offers the client several benefits.
- Recover the cost of paying out employee claims.
- Protect your interests.
- Avoid legal liability.
- Improve your bottom line.
Payouts for employee workplace injuries add up fast, and a cost-conscious approach to handling health and disability claims is paramount. When relevant, self-insured clients must cover medical benefits, rehabilitation benefits, wage loss benefits, and disability benefits. An integral characteristic in a subrogation law firm is cost-effective services – from initial investigation through claims resolution and payout.
Subrogation case management is a key component to recouping losses where other parties have exposure for the injury suffered by your employee. Our insurance attorneys work in conjunction with our clients’ plan benefit/HR managers and in-house subrogation departments to identify opportunities for pursuit and facilitate recovery.
The Rathbone Group team takes time to clearly explain your chances of recovery and plan member satisfaction. We are adept at settling subrogated matters as directly as possible, exhausting all avenues to recovery, including:
- Pre-suit negotiations
- Mediation
- Arbitration
- Litigation
- Post-judgment action (if necessary)
Clients may have concerns about the effectiveness of subrogation law in the non-ERISA plan context. Rathbone Group uses creative strategies to apply the Deemer clause to these types of claims, so that you don’t have to resort to forceful collection techniques. Rathbone Group can help you stop the hemorrhaging of health and disability payouts with robust, aggressive subrogation services that maximize chances of recovery on all claims.