View the Protocols LLC website - http://www.protocolsllc.com

If you have suffered a catastrophic injury, medical settlement planning can be an important part of your Estate Plan. Through our Protocols LLC affiliate, we advise clients on the subject of medical settlements - particularly the incorporation of public benefits into settlement strategies.

If settlements are not properly structured, public benefits may be lost. In addition, all of the health care providers, health insurance companies, Workers' Compensation insurers and providers of public benefits involved in your treatment have subrogation and lien interests in your settlement proceeds - interests that must be satisfied.

In addition, under the Medicare Secondary Payer program regulations, Medicare has a right of action to recover its payments from any entities - including benefits providers, suppliers, physicians, attorneys, state agencies or private insurers that received a third-party payment.

Through our three-pronged Protocols LLC approach, we pursue a win/win strategy that maximizes the benefits for claimants while minimizing the overall cost to and liability of insurance companies and employers.

Our Protocols LLC nurses will review a claimant’s medical records, project life-long medical needs, and calculate the resources needed to meet this plan. Our benefits analysts will coordinate the requirements of private and public benefits plans and recommend a strategy for a win/win outcome.

Our legal professionals will create and administer the legal tools necessary to accomplish these goals. If these are challenged or contested, our litigators can help.

Legal tools in the medical settlement planning arena include trust structures that supplement and support the quality of life of a disabled individual without jeopardizing or reducing eligibility for private, federal or state support, and without allowing creditors to go after the money placed in trust.

A Medicare set-aside trust, for example, satisfies the Medicare secondary-payer statute in a way that protects both claimants and insurers. A special needs trust can supplement rather than supplant Medicaid and Supplemental Security Income benefits.

Through Protocols LLC, we work closely with you and your family, attorneys, fiduciaries, health care providers, public and private benefits providers, and self-insured businesses on the subject of medical settlements - as an important component of your Estate Plan.

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