Road to Recovery

A Victory for Erisa: U.S. Supreme Court Unanimously Holds Equity Doesn’t Trump Plan Language

On April 16, 2013, the U.S. Supreme Court issued its long-anticipated decision in U.S. Airways, Inc. v. McCutchen, 2013 WL 1567371 (2013), a case in which the future of ERISA health insurance subrogation hung in the balance. Subrogation won, trial …

David vs. Goliath: I.R.S. Tax Lien vs. Med Pay Subro Lien

In 1 Samuel 17, the Bible tells one of the most poignant and motivating stories of all time. The Philistine army had gathered for war against Israel. The two armies faced each other, camped for battle on opposite sides of …

Tennessee High Court Doubles Down on Questionable Future Credit Decisions

For four decades, a workers’ compensation carrier’s right to a future credit in Tennessee has been chipped away at and limited in its scope. On January 16, 2013, the Tennessee Supreme Court was given a chance to correct its own …

SMART Act Becomes Law

Sanity Restored To Medicare Secondary Payer Liability The 112th Congress had a lot on its plate – from the “fiscal cliff” to Hurricane Sandy relief. It passed legislation on the former but not the latter, and some people feel it …

Understanding Experience Modifiers: Can Subrogation Really Affect Premiums?

For many corporate personnel, the concepts of underwriting and experience ratings remain a clouded mystery, yet they directly affect the amount of insurance premiums a company will pay. Even more mysterious though is what effect, if any, subrogation efforts have …

The Societal Benefits of Subrogation

Subrogation is one of the oldest legal concepts in jurisprudence with roots that trace back to Roman law under the reign of Emperor Hadrian (A.D. 177–A.D. 138). First established in English common law with the Magna Carta in 1215 A.D., …

Workers’ Comp Subrogation Against Political Subdivisions Given Last Rites in Pennsylvania

The states which seem most inimical toward subrogation rights always seem to be struggling with themselves, contorting legislation and case decisions in an inexplicable effort to destroy one of the most effective means society has for holding down insurance premiums …

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