To begin, a subrogation letter is a document that allows one party to assert the rights and claims of another party against a third party.
Ohio courts have continually enforced the Made Whole Doctrine. Under the Made Whole Doctrine, a health benefit provider's subrogation interest will not be given priority where doing so will result in less than a full recovery to the insured.
Carelon Subrogation LLC is a company that specializes in third party liability and workers' compensation recoveries. It is part of Carelon, the healthcare services business of Elevance Health.
A statutory subrogee may assert its subrogation rights through correspondence with the claimant and the third party or their legal representatives. A statutory subrogee may institute and pursue legal proceedings against a third party either by itself or in conjunction with a claimant.
Insurance companies don't have forever to make a subrogation claim. While the statutory limitations period can vary depending on the type of subrogation claim made—and in which jurisdiction it is made—the standard statute of limitations ranges from one to six years.
One example of subrogation is when an insured driver's car is totaled through the fault of another driver. The insurance carrier reimburses the covered driver under the terms of the policy and then pursues legal action against the driver at fault.
You have no legal obligations to respond to a subrogation letter. You can put the letter in the garbage and ignore additional notices, but it's not in your best interest. Immediately dealing with a subrogation letter allows you to resolve a claim sooner than later.
What is a C84? The Ohio Bureau of Workers' Compensation requires Form C84 as proof of ongoing temporary total disability. The injured worker must complete the form, verifying the period of disability and that she has not worked and has not received other wages during the period of temporary total disability.