Subrogation recovery software that finds the file early and shows the statute clock
Subrogation recovery is the process by which an insurer or plan that has paid a loss steps into the insured's position to pursue the responsible party. It runs from identifying a recoverable file through liability, valuation, demand and negotiation, inside statutes of limitation that vary by state and by cause of action, typically 2 to 6 years. Neurobird holds the pipeline, values each demand against paid to date, and shows the statute clock on every file.
Neurobird Subrogation Recovery in short
- Identify recoverable files early instead of waiting for a claims adjuster to flag them
- Track paid to date, demand and offer per file so negotiation is against a number, not a memory
- Run statute of limitation clocks per state and per cause of action with warnings that arrive early
- 111 The Medicare mandatory insurer reporting section, under which liability, no fault and workers compensation payers report settlements so Medicare can pursue its recovery. Centers for Medicare and Medicaid Services, mandatory insurer reporting
- 1 process Federal coordination of benefits and recovery, the process that identifies Medicare conditional payments and pursues repayment from a settlement. Centers for Medicare and Medicaid Services
- Pricing runs 170 to 700 US dollars per month across 3 tiers. Early access is free.
What insurers and self funded plans actually deal with
Why it stays broken
Recovery is the only part of claims that makes money, and it is usually the part with the least tooling. The pipeline lives in a spreadsheet, the statute dates live in a column, and referral depends on an adjuster remembering.
A file identified on day 200 rather than day 5 is worth a fraction of the same claim.
Figures 2, 3, and 4 present inflation-adjusted trends in salvage and subrogation recovery across the three auto insurance lines of business that are the focus of this study.
The pipeline, as your unit would run it
A working preview. Tick a file to move it toward demand.
| Line item | Amount | |
|---|---|---|
| Medicare conditional payment letter | $1,840 | |
| Workers compensation lien, 2 states | $620 | |
| Made whole defense raised | $3,275 | |
| Statute runs in 118 days | $455 |
Click recover to add a missed line to the invoice.
Neurobird Subrogation Recovery Revenue Platform
Treat recovery as a pipeline with values and dates, not a queue of files. Then referral, valuation and the statute stop depending on memory.
- 1Identify recoverable files early instead of waiting for a claims adjuster to flag them
- 2Track paid to date, demand and offer per file so negotiation is against a number, not a memory
- 3Run statute of limitation clocks per state and per cause of action with warnings that arrive early
- 4Keep conditional payment and plan reimbursement obligations attached to the file before settlement
What changes with Neurobird Subrogation Recovery?
The same work, read left to right: how it runs today, and how it runs once the record is in one place.
| Today | With Neurobird Subrogation Recovery |
|---|---|
| Referral is the whole game and it happens by hand, so recoverable files sit in claims for 90 days before anyone looks | Identify recoverable files early instead of waiting for a claims adjuster to flag them |
| Statutes of limitation run per state and per cause of action, and the tracking is a spreadsheet column somebody updates | Track paid to date, demand and offer per file so negotiation is against a number, not a memory |
| Medicare conditional payments and plan reimbursement rights get discovered late, after a settlement has already been agreed | Run statute of limitation clocks per state and per cause of action with warnings that arrive early |
Who is this for?
Same recovery, three different exposures.
You recover in house
Referral depends on adjusters remembering. You need recoverable files to surface from the loss facts inside the first 30 days.
You assert plan reimbursement
Your rights come from plan language and federal law. You need the obligation attached to the file before a settlement is agreed.
You recover for others
You report performance to clients who audit it. You need per client pipelines and recovery numbers that come out of the record.
How does Neurobird Subrogation Recovery work?
Identify early
Files with recovery potential surface from the loss facts rather than waiting for a manual referral, so the clock starts at day 5.
Value the demand
Paid to date, reserves, comparative fault and offers sit on the file, so negotiation happens against a number both sides can see.
Watch the clocks
Statutes per state and per cause of action, plus conditional payment and lien obligations, run as visible dates rather than a column somebody maintains.
What actually governs a recovery
Useful if you are building a recovery unit or auditing one. Each source links out.
The Medicare mandatory insurer reporting section, under which liability, no fault and workers compensation payers report settlements so Medicare can pursue its recovery.
Centers for Medicare and Medicaid Services, mandatory insurer reportingFederal coordination of benefits and recovery, the process that identifies Medicare conditional payments and pursues repayment from a settlement.
Centers for Medicare and Medicaid ServicesThe year ERISA established the framework under which self funded plans assert reimbursement and subrogation rights, administered federally rather than by state insurance law.
US Department of Labor, Employee Benefits Security AdministrationThe usual range in years for statutes of limitation on the underlying causes of action, which is why the same loss has different deadlines in different states.
Cornell Legal Information Institute, subrogationState insurance regulators coordinating through a national association, each with its own rules on recovery practice and deductible reimbursement.
National Association of Insurance CommissionersSubrogation recovery software questions, answered
Key terms
- What is subrogation recovery?
- Subrogation recovery is the process by which an insurer or plan that has paid a loss steps into the insured's position to pursue the party actually responsible. In practice it means identifying recoverable files, proving liability, valuing the claim, issuing a demand and negotiating a recovery, all inside a statute of limitation that varies by state.
- What is the made whole doctrine?
- A defense arguing the insured must be fully compensated for their loss before the insurer may recover from the same fund. Its application varies by state and by policy language, which is why the same fact pattern produces different recoveries in 2 different states.
Why is early identification so important?
Because everything gets harder with time. Evidence disappears, the third party carrier closes its file, the claimant settles independently, and the statute runs. A file identified at day 5 and a file identified at day 200 are not the same asset.
How does Medicare fit into a recovery?
When Medicare has made conditional payments, the Medicare Secondary Payer rules require those to be addressed before a settlement is finalised. Mandatory insurer reporting under Section 111 means the exposure is known to the government whether or not it is known to your file.
Does this replace our claims system?
No. The claims system stays the system of record for the loss. Referral, pipeline, demand valuation, statute clocks and lien obligations live here, and settled recoveries go back.
Why we are building this
Subrogation is the only part of a claims operation that brings money back, and it is usually the part running on a spreadsheet. Referral depends on memory, statute dates live in a column, and Medicare exposure shows up late.
Every one of those failures has the same shape: a date or a value that exists somewhere, but not on the file where the decision gets made.
We would rather build this with recovery people than guess. Tell us how your pipeline actually runs, and where we have got it wrong.
Where the requirement comes from
Federal sources on Medicare recovery, plan rights and the doctrine itself.
- CMS coordination of benefits and recovery How Medicare identifies conditional payments and pursues repayment out of a settlement.
- CMS mandatory insurer reporting Section 111 reporting duties for liability, no fault and workers compensation payers.
- DOL Employee Benefits Security Administration The federal framework governing self funded plan reimbursement and subrogation rights.
- Cornell LII, subrogation Plain reference on the doctrine, its limits and the defenses raised against it.
How much does Neurobird Subrogation Recovery cost?
Priced per recovery unit because the pipeline is what we are managing. Files, users and clients are unlimited on every tier.
- Recovery pipeline board
- Paid to date and demand values
- Statute clock per file
- Demand package export
- Email support
- Everything in Single unit
- Early identification rules
- Conditional payment and lien tracking
- Negotiation history per file
- Named contact
- Everything in Recovery operation
- Auto, property and workers compensation lines
- Per state statute libraries
- Recovery performance reporting
- Onboarding included
Get free early access
If you run recoveries, tell us how a file gets referred today and how statute dates are actually tracked.
Straight answer on where this is: In development. Early access gets the working preview, influence on what ships first, and early access pricing. It does not get you a login today.
Prefer email? Write to office@neurobird.com and a person will reply. No autoresponder.