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How to Outmaneuver ERISA Recovery Vendors

Five strategies for reducing a self-funded ERISA lien, starting with the document the recovery vendor will not send you.

ERISA governs most employer health plans, and most of those plans include a reimbursement provision. Section 502(a)(3) lets a plan pursue equitable relief to enforce it, usually through an equitable lien. After McCutchen, the plan’s written terms control that analysis, which means the reduction on your file was largely decided the day the plan was drafted. Recovery vendors negotiate on the assumption that nobody will ask to read it. The strategies below start from the opposite assumption.

WHAT YOU'LL LEARN

Doc Check

How to determine funding status, and why self-funded and fully insured plans are subject to different bodies of law with different strategies to negotiate a reduction.

Database

How to use a Section 1024(b)(4) request to get plan documents from the plan administrator rather than the recovery vendor, and what to look for once you have the documents.

Clock Alert

Where made whole, common fund, and equitable defenses are still available, and how plan language decides whether they are or not.

Every one of these turns on plan documents most firms never deeply analyze.

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A Working Reference for the Next ERISA File

Download Your Free ERISA Lien Resolution Checklist

The steps in order, from confirming funding status through the document request, the plan language review, and the equitable arguments that remain open. Built for paralegals and attorneys handling ERISA plan reimbursement.

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ERISA, what you don’t know could cost you and your client

Watch: Navigating ERISA Reimbursement Claims

Teresa Kenyon and the Synergy subrogation team on key ERISA considerations and common pitfalls, reviewing plan language and demand documentation, understanding reimbursement rights and enforcement, navigating negotiation challenges, and strategies to help maximize the client’s recovery.

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What Ethical Compliance Looks Like in Practice

Download Your Free Ethical Outsourcing Checklist for Lien Resolution

Seven checkpoints covering retainer language, client consent, fee transparency, and partner vetting, plus the supervisory steps that keep your firm accountable once the work is outsourced. Grounded in ABA Model Rules 1.1 and 1.15, built for firms sending ERISA, Medicare, and Medicaid liens to a third party.

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Five Places to Look Before You Negotiate

Effective Strategies for Reducing ERISA Liens

Funding status, the 1024(b)(4) request, plan language ambiguity, the equitable doctrines that survive where the plan is silent, and defenses including unjust enrichment and undue hardship.

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Trust

Nationwide Compliance Authority

Trusted by Top Personal Injury Firms

Synergy is the nation's largest provider of single-event healthcare lien resolution and Medicare Secondary Payer compliance for personal injury law firms. We act as an extension of the firm, removing the lien resolution administrative burden and ensuring compliance so our clients can focus on what they do best. Our team pairs deep subrogation expertise with advanced technology and industry leading customer service to deliver exceptional outcomes. With more than 300 years of combined experience across all 50 states, we have saved injury victims over $1 billion through strategic lien resolution.

$2.9B in liens handled
$1B+ in lien reductions
32% increase in operational efficienciy for law firm
252 hours saved per month. 

One File, See Reduction Opportunities

Have an ERISA lien that you are struggling to resolve?

Send it over. A Synergy attorney or lien specialist will review the plan posture and tell you where the reduction opportunities are. Request your Free ERISA Lien Analysis.

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