I was in an accident and my lawyer settled with state farm for 100k and is now waiting for my healthcare plan to reimburse medical payment they paid, my hospital bill was 120k this has been over a month now, just would like to know how long something like this usually takes, my insurance company is gundersen lutheran, will i be waiting a long time? how much longer will i be waiting?
It usually takes some time, a month is not all that long. If the $100k represents the policy limits of the SF policy and he is having your insurer entirely waive the lien due to the Wisconsin "made whole" doctrine it can take even longer and may require a hearing before the Court. It is typically cheaper and safer if he can negotiate it rather than taking them to Court for what is called a Rimes hearing here in Wisconsin. The delay is nearly always caused by the lien holder, not your attorney. Your attorney should be able yo tell you the current status.
Unless the 100k was the maximum amount of the insurance and there were no other assets available to pay the claim, it was a big risk on you and your attorney's part to take that settlement with a 120k insurance lien hanging out there. Usually attorneys have some idea what the insurer will take at the time of settlement. Even so, it can take a few months. There are some providers I'm told that will not negotiate liens and that makes things far more complicated. You should ask your attorney for a status.
Unfortunately, this is one of the most time consuming and frustrating jobs of personal injury lawyers. Be patient, in the end, your attorney is trying to put more money in your pocket. That being said, I do like to sit down with the clients and explain the process. Maybe you should ask your attorney for the same.
If your attorney has access to the person who can make the decision, It could take one phone call for 5 - 10 minutes. If not, it can take days or weeks for the insurance rep to get approval from their supervisor. If your case is already settled, you may not have much bargaining power with the insurance company to have the subrogation amount reduced since your attorney already has the money. Good luck!
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