Three Ways To Minimize A Liability MSA… And Maximize Your Client's Quality Of Life

Itbs no secret. Your injured client deserves better. A whole lot better than the crummy hand they were dealt when they were injured and that then brought them to your door. B A better quality of life, one that will take care of all their needsb&and then some. Creating an income always seems to be at the top of the list. Or perhaps this involves a van with a lift to help them get around, or improvements to their house to make it more accessible. Whatever the case, they need YOU to maximize their settlement to fund it all. This means helping your client avoid or minimize the effect of those bothersb who want to cut into their piece of the pieb&including Medicare. Rather than risk your client not having any money left when the time comes to cover the eventuality of denied future medical bills, you decide to look into a Medicare Set-Aside (MSA) arrangement. Can they avoid it without the risk of Medicare denying payment for otherwise covered services? Maybe. B But if not, how much is needed to fund it? As little as possible, and herebs why.
Medicare is a secondary payer. As mentioned in The Truth About MSAsb&How What You Donbt Know Could Hurt You, the Stalcup memo states that a settlement, judgement, or award must be exhausted for future services before Medicare can be billed. Exact text can be found below. This is the scenario you probably donbt want for your client, as paying bills that Medicare has denied could eventually leave them with little or no settlement money.


how to minimize liability MSA


Using a portion of your clientbs settlement to set up a voluntary MSA could limit the amount that future Medicare-allowable expenses can claim from them. The key? Therebs no law that requires a certain amount. But once this MSA amount is exhausted, the law requires Medicare to become responsible for paying your clientbs Medicare-allowable, settlement-related expenses for the rest of their life. Thus, the less you set aside, the quicker this happens and the more settlement money your client maintains. The more your client maintains, the more their quality of life can be maximized. A simple solution, now all you need to do is find someone who believes the same and will minimize their MSA to the lowest reasonable and defensible dollar amount possible.
There are three ways to go about this, and all of them are included in the routine services provided by the Plaintiffbs MSA & LIEN SOLUTION. The first step is to submit your clientbs medical and billing records to us for a thorough audit and review. Our team of registered nurses must perform this critical step prior to creating any MSA Allocation Study. If the review B uncovers that your client has stopped treatment for the injuries or conditions that are the subject of the settlement, but their treating physician wonbt put it in writing, webll provide a letter, backed by the authority of the governmentbs Benson memo, stating that no MSA is required. However, if it canbt be avoided and a strategically minimized MSA is still something your client wants to consider, then we move on to step two.
In this step our specially-trained RN and MSCC-credentialed nurses start preparing the MSA, removing unrelated past medical and double billings, B and then challenging unnecessary treatments in order to strategically minimize the MSA amount. Challenging unrelated past medical means getting rid of anything that doesnbt match up with the injuries or conditions that are the subject of the settlement. In other words, anything that doesnbt match the ICD-9 or ICD-10 codes associated with your clientbs case. Then, double billings are removed and unnecessary future medical treatments are documented and also removed. This process should significantly reduce the amount needed to fund your clientbs MSA, but we push it even further.
Step three involves utilizing innovative strategies webve developed for reducing MSA funding requirements even more for eligible clients. Part of this involves, at the discretion of the plaintiff attorney, using the procurement costs expended in obtaining their settlement or verdict to further minimize the funding. Then a final strategy that is so exclusive, it will only be revealed when you and your client come work with us.
It all begins with figuring out what the right move is for you and your client. Can they avoid an MSA or not? Whatever you do, donbt make this decision alone. Sign up to receive our b2 Ways to Avoid an MSAb article. Together, we can decide if one of these b2 Waysb can work for your client. If an MSA canbt be avoided, webll take you and your client through our proprietary process of minimizing their liability Medicare Set-Aside. Ultimately, webll help you and your client create a strategically minimized Medicare Set-Aside allocation to the lowest possible, reasonable and defensible number. The end result? More settlement funds in your clientbs pocket, less hassle for you, and a quality of life thatbs maximized to the fullest extent for your client.

A Punch After The Bell? Let Plaintiff's MSA And Lien Solutions Fight Your Battle

Therebs nothing worse than a late hit. As experts in Plaintiff’s MSA and Lien Solutions, we see these too often. Most likely, you never even see it coming. You roll with the punches, win your case, and win a settlement for your client. Case closed, right? Wrongb&because thatbs when the blow comes. Medicare starts denying payment of settlement-related bills because they know about your clientbs settlement. They know everything, your clientbs settlement amount, how much money was spent in attorneybs fees, litigation costs and liens, and the ICD-9 or ICD-10 disease codes that were settled as part of the case. The feeling that this is going to come back to bite you is unshakeableb&but just you wait.
You didnbt report your client to Medicare, and your client didnbt report themselves, so how does Medicare know all of this? The only way you client would self-report is if they had become Medicare eligible post-settlement. A Medicare Secondary Claim Development (SCA) Red Letter and questionnaire would have compelled them to self-report.B However, your client was Medicare eligible on or before theB date of settlement. B That only leaves one possible entityb&the defendant. What is their motivation to report your clientbs settlement to Medicare? B A big, bad, scary stick in the form of the Section 111 Medicare Secondary Payer Mandatory Report. The first part of the law is shown below:


structured settlements


The language used in this mandatory Medicare liability settlement reporting requirement is disturbingly vague, leaving a lot of questions. What exactly are the defendants reporting about you and your client? How much information are they turning over, and when? The answers are alarming. B

How Plaintiff’s MSA and Lien Solutions Can Help

Here is what we discovered:
There are 196 data points within a Section 111 report, and three of them are critical to plaintiffs. They are:
(1) The date of settlement.
(2) The total amount of the settlement, otherwise known as the Total Payment Obligation To Claimant or TPOC.
(3) The ICD-9 or 10 codes that describe the injuries or conditions settled as part of your clientbs case.
Thatbs it. Yet, if these three points arenbt alarming enough, just imagine what is reported in the rest of the data pointsb&all 193 of them.
All of this information is reported at the date of settlement, meaning the date the settlement agreement is signed or the date that you have a court order approving the settlement if you need that. The responsible reporting entity (usually the defendant or the self-insured) that does not report a Medicare-eligible beneficiarybs liability settlement to Medicare is subject to $1,000 per day, per claimant penalty. The exact text is shown below:


structured settlements


What does all of this mean for your client? Once this information is reported, Medicare files it away for future use. The expectation is that Medicare is now, from the date of settlement forward, B secondary payer to the settlement your client has just received for all of the future Medicare-allowable, accident or incident related expenses covering the conditions or injuries that were the subject of the settlement. Those ICD-9 and ICD-10 disease codes? Those are matched up with future medical bills. A match means payment is denied, and your client is left footing the bill until they can prove they have spent their TPOC on Medicare-allowable bills, after which Medicare covers everything for the rest of clientbs life. If your clientbs settlement money has already been spent, or otherwise allocated, it gets worse. In the end, your client may be left with insufficient funds to both take care of denied payments and all of their other needs. And who are they likely to take it out on? Most likely itbs you. An angry phone call, a bar complaint, a malpractice claim? One or all of these could be your fate.
Donbt let this happen to you. Put proper planning in place from the very beginning, and take control of your clientbs Medicare issues with the Plaintiffbs MSA and Lien Solution. What you don’t know about Medicare reporting and skillful use of strategically minimized (and still voluntary) MSAs to avoid major client Medicare issues can affect your time, money and reputation. Let us help you through it. Sign up for our free video training series: How to Avoid Stress, Reduce Risk and Save Money in Cases Involving Liability MSAs, Structured Settlements and Lien Resolutions.


MORE MONEY AND BETTER SETTLEMENTS FOR PLAINTIFFS.B LESS STRESS, RISK AND WORRY FOR TRIAL ATTORNEYS.

The Truth About Medicare Set-Aside Solutions—How What You Don’t Know Could Hurt You

Medicare eligible. It seems that when a defendant hears these words, they automatically place a target on your client’s back and aim for the bullseye. Here at Settlement Professionals, we have seen this happen year in and year out. That’s why we have crafted the ability to provide attorney’s with holistic Medicare Set-Aside solutions.
The label of being “medicare eligible” can lead to many un-truths. For example, defendants may claim that your client is required to create an MSA. Un-true. And this one: that defendants won’t be able to settle your case until they have proof that Centers for Medicare and Medicaid Services (CMS) has approved your client’s MSA.  Un-true. Or, that you must obtain a CMS letter stating that an MSA is not required in your client’s case.  Un-true, and not even possible. If any of this sounds familiar, it’s because defendants have been telling you un-truths about Medicare Set-Aside (MSA) arrangements for years. The truth is that MSAs aren’t legally required at all in liability personal injury cases, CMS is not approving liability MSAbs, and CMS will not provide a letter stating that an MSA is not required in a specific case. In fact, MSA’s are entirely voluntary – a conclusion that was once again confirmed as a result of the Aranki vs. Burwell case. Yet, this outcome doesn’t mean that MSA’s should be ignored. That is why SPI has tirelessly sought to provide Medicare Set-Aside solutions that address these untruths to help your client make an informed decision. Part of making an informed decision is knowing the history of MSA’s and understanding why MSA’s should not be ignored.

The History Behind Medicare Set-Aside Solutions

The Aranki vs. Burwell case evolved from a medical malpractice case that started in 2009 in Arizona. While a settlement had been reached, the defendants were still concerned about its finality due to the uncertainty of the MSA question. A lot was unknown about MSA’s back then, and the defendants thought that they would be liable without a court decision on its necessity. They demanded that the plaintiffs supply them with a letter from CMS stating whether or not the client was required to set up an MSA. With no immediate answer, the settlement was held up for three years. That is until a federal judge issued a pronouncement.
The judge stated that, no federal law or CMS regulation requires the creation of an MSA in a personal injury settlement.  It gets better. This judge was also asked to rule on forcing CMS to issue a letter as to whether or not this client needs an MSA.” The ultimate finding being that there’s no federal law that requires it [CMS to issue a letter], so the court doesn’t see any standing here to even comment. No MSA required meant case closed, and this decision has acted as the ruling going forward. Yet, recent events indicate that a change could be coming soon.
More critical insight can be found in the Stalcup memo released in 2011 by Sally Stalcup, Regional Director of Region 6 for Medicare and CMS in Dallas. Her memo states that Medicare trust funds must be protected from payment for future services whether it’s Worker’s Comp. or liability. Surrounding language indicates that while CMS does not mandate a specific mechanism to protect those interests, and the law does not require a set-aside in any situation, that an MSA is the preferred method. Also of note is that any time settlement funds can be expected to pay for future services, Medicare is not to be billed for future medical services until these funds are exhausted. Exact text is shown below:


Medicare Set-Aside solutions
Medicare Set-Aside solutions


After this memo, a clamor for guidance followed and with that came an advance notice of proposed rulemaking, issued on June 15, 2012. This advance notice, addressing liability cases, included seven different options for handling the liability Medicare Set-Aside issue. Especially alarming was option number four, shown below, because it required submitting a proposed MSA to CMS for review and approval.
Medicare Set-Aside solutions
Fast forward two years later to October 8, 2014. The Project for Public Guidance, which this advance notice was part of, was withdrawn. Yet, expectations that CMS will resubmit at some point in the future still loom large. Added to these is another concern. Earlier this year, CMS published an update to an earlier pre-solicitation for a workers compensation review contractor. The update explains that the Statement of Work (SOW) is being updated to include the processing of Non-Group Health Plan (NGHP) Medicare Set-Aside arrangements, with an anticipated award date of November 7, 2016.
Medicare set-aside solutions
All of these are signs that the U.S. Government has pivoted and is looking once again at Medicare Set-Aside arrangements in liability personal injury cases.
In the meantime, it’s important to decide whether, and which Medicare Set-Aside solution is right for your client. That depends on their unique facts and circumstances, and whether their personality is that of a do-it-yourself or a do-it-for-you type. Since the government has already stated that the law requires that the Medicare Trust Funds be protected from payment for future services whether it is a Worker’s Compensation or Liability case. There is no distinction in the law. How exactly will your client comply with the law? The old pick a number out of the air, or a professionally produced MSA Allocation Study? Then, next question, self-administer, or professionally administered?  If they go the do-it-yourself route, can you trust that they will follow through and put some amount of money from their settlement in some sort of account? And then what, just decide on their own which Medicare bills should be paid out of it?  If and/or when Medicare comes around and questions how your client determined the amount of their account, and demands a detailed accounting of how they spent that money, how will your client answer?  If Medicare dislikes their answers, and decides to deny future benefits for a time, will your client still be happy with the advice you gave them today?  Whatever you do, don’t make these decision alone. Take advantage of consultation services from the Plaintiff’s MSA and Lien Solution and let us help.
Sign up to receive our 2 Ways to Avoid an MSA guide. Together, we can decide if one of these can work for you. If an MSA can’t be avoided and your client wants professional help, B we’ll create a custom, strategically minimized Medicare Set-Aside allocation to the lowest possible, reasonable and defensible number. The end result? More settlement funds in your client’s pocket and less potential for future liability for you.


Settlement Professionals, Inc. is here for you. Please visit our website at www.settlepro.com or call us with any questions at (800) 666 – 5584.

The Claimant Crushing bRed Letterb Most Personal Injury Trial Attorneys Donbt Know Aboutb&and How It Will Haunt You

Therebs nothing that strikes fear and intimidation more than red ink. Think about it, no other color elicits quite the same response. Perhaps this reaction stems from seeing correction marks in red ink. Over the years you become conditioned to those marks, and red becomes a color that indicates something is wrong or needs your attention. It canbt be ignored. In the case of the Medicare personal liability settlement Red Letter that your client may receive, this couldnbt be truer. If or when your client receives this letter, it wonbt justB needB attentionb&it willB demandB it. In fact, it demands it now and herebs why.
Imagine youbve settled a liability case for a client who isnbt Medicare eligible at the time of settlement. Meaning therebs no reason for the defendants or their insurers to report this case to Medicare. Section 111 Medicare Secondary Payer, which was signed into law in 2007, requires B settlements to be reported to Medicare. In fact, it states that the responsible reporting entity, defendant or the self-insured, which does not report a Medicare-eligible beneficiarybs liability settlement to Medicare is subject to $1000 per day, per claimant penalty. We’ll cover more about this law, and its effects, inB this article.B
Had your client been Medicare eligible, reporting to Medicare would have meant disclosing ICD-9 or ICD-10 disease codes. These are codes that describe the injuries or conditions that are settled as part of the case and, when reported to Medicare, are filed away to match up against future bills submitted to Medicare. A match means payment is denied.
Some casualty adjusters have disclosed that their firm reports B all settlements to the government, Medicare eligible or not. While no answers have come from Medicare as to what happens with non-eligible reports, living in an age where all of our tweets, emails and phone calls are tracked certainly suggests that this info could also be stored for later. Yet, it appears that you and your client are in the clear as, in our example, your client isnbt Medicare eligible at the time of settlement, right?
That is true, until your client becomes Medicare eligible, post-settlement. At this point, Medicare will send them a Medicare SECONDARY CLAIM DEVELOPMENT (SCA) Red Letter that includes a questionnaire. This questionnaire has three sections. The second section, bMore Information About You,b being the most alarming of them all.
[H2: The In’s & Out’s Of TheB Medicare Personal Liability Settlement Red Letter]
It starts out harmless enough with a request for some general information in Section I. Shown below is the second part of this letter, which asks if your client is receiving Black Lung Benefits, workersb compensation benefitsB or treatment for an injury or illness which another party could be held liable forB or is covered under automobile no-fault insurance. A simple yes or no is all thatbs required.
Medicare personal liability settlement Red Letter
Then to the left of each of these questions they ask for dates, which are immediately followed by sections asking for detailed information about their insurance carrier. Most clients answering bYesb to #3 will probably enter their auto insurance carrier here. Not too bad, but then therebs more.
As this section continues to the second page, youbll notice that things go alarmingly in depth. Detailed information about their employer (being disabled and on Medicare, they probably donbt have an employer), their attorney, (thatbs YOU), and then a brief description of their illness or injury are required.
Medicare personal liability settlement Red Letter
Why does this matter? It matters because Medicare now knows of your clientbs settlement, and will soon have all of the information they need to match bills and deny payments later. There is no way to get out of this.B
Now you realize, eligible or not at time of settlement, Medicare will find out about your clientbs settlement. When they do, they will not pay for future expenses. In fact, they will cut off your clientbs Medicare benefits for those conditions and injuries that are the subject of the settlement of your clientbs claim. What does this mean for your client? Less funds for other needs, unless proper settlement planning has occurred from the beginning. B Or it could mean that your client has already spent their settlement and they have no money left with which to pay the denied Medicare bills. B What does this mean for you? B Probably at the least an angry phone call. B If your client is being crushed under a pile of denied Medicare bills, possibly a bar complaint or worse, a malpractice claim.
But there is a solution. It involves looking at an MSA as a useful tool instead of a dangerous weapon.B AB strategically allocatedB and administered custom MSA account, minimized to the lowest reasonable (and therefore, defensible) dollar amount possible, may be your protection-seeking clientbs best defense against not having the money to pay denied bills from Medicare. B The additional benefit is that your client may have effectively bcappedb their exposure to Medicare at the amount that is ultimately funded into their MSA. B You see, if your client does nothing in the way of considering Medicarebs binterest,b or protecting the Medicare Trust Fund from becoming a first-payer on their settlement related medical bills, Medicare may take the position (as they do in Workerbs Comp cases) that your client must prove that they have spent their entire settlement (including the amounts they paid you for fees and legal costs) on Medicare-allowable expenses before Medicare will jump back in and pay one dime.
However, if your client has voluntarily created and funded a custom MSA account, and that account has reached eitherB temporaryB orB permanentB bexhaustionb (out of money) then by law Medicare has to cover your clientbs settlement related, Medicare-allowable expensesB for up to the rest of their life.
Effectively, this is what it boils down to: in order for your client to get into Medicarebs pocket, they must prove they spent theirB entireB settlement (BIG NUMBER) or that they have exhausted a minimized MSA (smaller number). Which do you think your client will prefer?
Take control of your clientbs Medicare issues with the help of The Plaintiffbs MSA and Lien Solution. Our tools will help you and your client determine whether they have a potential Medicare issue in their future, and whether they can first use one of our b2 Ways To Avoid an MSA.b If it canbt be avoided and it looks like Medicare could be a problem for your client, they may want to voluntarily fund an MSA account to solve it. B Then our team will create a strategically minimized Medicare Set-Aside allocation to the lowest possible, reasonable and defensible number, leaving them with more settlement funds and you feeling like youbve done everything you can to protect them from this situation.
What you don’t know about Medicare reporting and skillful use of MSAs to avoid major client Medicare issues can B affect your time, money and reputation. Let us help you through it. Sign up for our free video training series:B How to Avoid Stress, Reduce Risk and Save Money in Cases Involving Liability MSAs, Structured Settlements and Lien Resolutions.
By now everyone knows that MSAbs are not legally required in liability settlements. But a strategically minimized MSA from The PLAINTIFFbS MSA & LIEN SOLUTION may still be a strategy worth considering as a means to provide the money to pay clientbs future Medicare b allowable, settlementbrelated medical bills.


MORE MONEY FOR CLAIMANTS. LESS STRESS FOR TRIAL ATTORNEYS.

Watch Your Language! Crushing Words That Can Spell Disaster for Your Clientb�s Future Medicare Benefits

Itbs your worst nightmare. You thought you and the defendant were on the same pageb&that is, until you saw the settlement agreement. Taking a closer look, you realize you missed a very important block of language. Language that releases the defendant from all liability, even if what they report to Medicare about your client is incorrect. Incorrect information of any kind is a setback, but the worst would be incorrect ICD-9 or ICD-10 codes. Particularly the kind that correspond with your clientbs preexisting conditions, and not those that are the subject of their settlement. That kind of error could trash your clientbs future Medicare benefits. It may be too late now to effect your past cases, but how can you stop this in the future?
Somethingbs got to change, and defendants and their insurance companies arenbt likely to be that something. Especially, if past behavior is any indication. Who can forget what happened after the Section 111 Medicare Secondary Payer law was updated? The updated section stated that the bresponsible reporting entityb (aka: the defendant or the self-insured), which does not report a Medicare-eligible beneficiarybs liability settlement to Medicare is subject to $1,000 per day, per claimant penalty. B Defendants grossly over-reacted, telling you that Medicare Set-Aside Arrangements (MSAs) were required in liability cases, and that they wouldnbt settle your case until they had proof that Centers for Medicare and Medicaid Services (CMS) had approved an MSA. Not true, and how did they even get all of that out of the updated Section 111 law? B So how can you trust them to know and do the right thing now?

A recent case of ours out of Orlando proves that you canbt. As you know, defendants want a lot of release language. They want your client to indemnify them, hold them harmless, and even defend them from Medicare. Worse yet, theybll do anything to get what they want. That includes hiding critical language in the middle paragraph of a settlement agreement, as they did in this case. That hidden language, is what you see below in red:


MSA defendant release language


Frightening, right? We caught this language upon document review and showed it to the plaintiff attorneys, who were outraged. Then, we managed to remove it from the settlement agreement and replace it with language of our own before it was too late. You, however, might not be so lucky. So what can you do about this MSA defendant release language? Enlist the help of the expert team at the PLAINTIFFbS MSA & LIEN SOLUTION and use our recommended bPlaintiff Liability Medicare Set-Aside Defendant Release Languageb template.
Plaintiffs should want their own language in the settlement agreement, which is exactly what this is and why you need it for your Medicare-eligible beneficiary. First, webll do an MSA analysis on your clientbs future Medicare-allowable expenses and minimize it to the greatest extent possible. Then webll give you our proprietary language to insert into the settlement agreement, language that acknowledges the defendant/self-insuredbs duty to report and holds them to a report of only the ICD-9/10bs and prescription drugs that webve identified. Problem solved.
What you don’t know about MSA pitfalls can damage your clientbs future Medicare benefits. Let us help you avoid them. Sign up for our free video training series: How to Avoid Stress, Reduce Risk and Save Money in Cases Involving Liability MSAs, Structured Settlements and Lien Resolutions. B B B B B B B B B

Three Common Mistakes Plaintiff Attorneys Make When Attempting to Resolve an ERISA Lien

Face it. ERISA liens are no picnic. And resolving them isnbt getting any easier. In fact, itbs become more complex, especially with decisions like McCutchen vs. U.S. Airways. Cases like these have forever changed the way ERISA seeks reimbursement from plaintiffs who later receive a third-party settlement. So what do you do? If youbre an experienced plaintiff attorney, itbs been ingrained that resolving these liens yourself at no charge is simply part of your job and something you should do. However, you may be rethinking that approach. And if youbre a newer plaintiff attorney, you may already have decided that you are not going to deal with them. Regardless of who you are, experienced or newer trial attorney, the stakes are higher and mistakes are easier to make than ever. Herebs what you should know.
When attempting to resolve an ERISA lien, one of the most common mistakes you can make is not being honest with yourself. Ask yourself if you really care what your client pays back to his or her ERISA plan, or what their net settlement is. If your answer is byesb on the outside, but you really donbt want to make a federal case out of it, answer the question bno.b Sure, you could press on for seven years like McCutchenbs team did and take it all the way to the Supreme Court, but would it be worth it for you or for your client? B If not, make your deal, convince your client what a great job you did and MOVE ON.
Another common mistake, and this is a big one, is to proceed WITHOUT the ERISA Plan Document (EPD). The EPD is supposed to contain specific legal language that allows the ERISA Plan to seek full reimbursement from any settlement a member receives as a result of a third-party injury. In the McCutchen vs. U.S. Airways Supreme Court ruling, the Supreme Court cites this language from the U.S. Airways Summary Plan Document (SPD).


ERISA lien resolution services
ERISA lien resolution services


However, the SPD is no replacement for the EPD itself, which the Supreme Court ruled reigns supreme.


ERISA lien resolution services


Itbs important to note that if the aforementioned U.S. Airways reimbursement language hadnbt also been in the ERISA plan document, as sometimes it is not, this ruling would probably not have held. This is precisely why it is important to only proceed with the EPD. If you choose to proceed without the EPD then you really do not know if the ERISA Plan has the legal horsepower to exert a lien on your clientbs settlement. The moral of the story? Donbt be a fool and proceed without the ERISA Plan Document. If you STILL choose to proceed without the EPD, ask yourself again if you really care what your client pays back to their ERISA plan or what their net settlement isb&and this time answer truthfully.
The third, and biggest mistake you can make, is to do it yourself. As new rulings make resolving lien cases more complex, itbs easier for mistakes to be made. These mistakes can greatly cost your client. Why take that chance? Instead, make sure your retainer agreement has a provision that allows you to hire outside sources. With proper outsourcing, outside legal teams can make arguments that plaintiffbs counsel may be constrained to make. Better yet, when you decide to outsource, take advantage of ERISA lien resolution services from The Plaintiffbs MSA and Lien Solution.
Our lien team at Precision Resolution will put your client in the best possible position to obtain a great result from the resolution of their ERISA Plan lien. Our team is full of relentless lien hitmen. Since 2011, we have put millions of dollars back into plaintiffbs pockets through relentlessly and successfully challenging, reducing and eliminating lien claims. Not to mention, we have also significantly reduced attorney exposure to compliants or claims stemming from lien issues. With a team like this therebs no need to go it alone, or take risks. Put our team to work for you and your clients today. B Outsource your case to us here.