# 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.

- URL: https://neurobird.com/subrogation/
- Product: Neurobird Subrogation Recovery Revenue Platform
- Niche: subrogation recovery
- Buyer: insurers and self funded plans
- Status: in development, open for early access
- Updated: 2026-08-21

## What Neurobird Subrogation Recovery does

- 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
- Keep conditional payment and plan reimbursement obligations attached to the file before settlement

## How it works

1. **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.
2. **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.
3. **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.

## From the source material

> 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.

Source: content.naic.org, https://content.naic.org/sites/default/files/cipr-jir-2023-2.pdf

## Industry context

- **111** The Medicare mandatory insurer reporting section, under which liability, no fault and workers compensation payers report settlements so Medicare can pursue its recovery. (source: Centers for Medicare and Medicaid Services, mandatory insurer reporting, https://www.cms.gov/medicare/coordination-benefits-recovery/mandatory-insurer-reporting)
- **1 process** Federal coordination of benefits and recovery, the process that identifies Medicare conditional payments and pursues repayment from a settlement. (source: Centers for Medicare and Medicaid Services, https://www.cms.gov/medicare/coordination-benefits-recovery/overview)
- **1974** The year ERISA established the framework under which self funded plans assert reimbursement and subrogation rights, administered federally rather than by state insurance law. (source: US Department of Labor, Employee Benefits Security Administration, https://www.dol.gov/agencies/ebsa)
- **2 to 6** The 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. (source: Cornell Legal Information Institute, subrogation, https://www.law.cornell.edu/wex/subrogation)
- **50** State insurance regulators coordinating through a national association, each with its own rules on recovery practice and deductible reimbursement. (source: National Association of Insurance Commissioners, https://content.naic.org/)

## Pricing

- Single unit: $170 per unit, per month
- Recovery operation: $380 per unit, per month
- Multi line: $700 per unit, per month

## Questions

### 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.

### 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.

### 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.

### 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.

## Sources

- [CMS coordination of benefits and recovery](https://www.cms.gov/medicare/coordination-benefits-recovery/overview)
- [CMS mandatory insurer reporting](https://www.cms.gov/medicare/coordination-benefits-recovery/mandatory-insurer-reporting)
- [DOL Employee Benefits Security Administration](https://www.dol.gov/agencies/ebsa)
- [Cornell LII, subrogation](https://www.law.cornell.edu/wex/subrogation)

## Contact

- office@neurobird.com
- https://neurobird.com/