1024(b)(4) Resource Center

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Read our Blog: How 1024(b)(4) Requests Can Transform Your ERISA Lien Negotiations

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The Tool Most Attorneys Underutilize

The 1024(b)(4) document request is best practices to properly evaluate any ERISA lien. Without the actual plan documents, you can’t determine funding status, identify weaknesses in reimbursement provisions, or know what legal framework applies. But it’s also a leverage tool. Plan administrators who fail to respond within 30 days face penalties of up to $110 per day. Courts have imposed awards exceeding $100,000. These accruing penalties become direct negotiating leverage in lien resolution.

The 1024(b)(4) Process

Step-by-Step:

Identify Plan Administrator: Find the correct recipient (not the TPA or recovery vendor)

Send Request: Use our template, send certified mail with return receipt

Track Deadline: Log delivery date, set 30-day reminder

Document Non-Compliance: If no response, calculate accruing penalties

Leverage in Negotiations: Cite penalties explicitly when negotiating lien reduction

Download the The 1024(b)(4) Request Playbook

Why 1024(b)(4) Leverage Works

30 days late = up to $3,300

60 days late = up to $6,600

90 days late = up to $9,900

180 days late = up to $19,800

1 year late = up to $40,150

Want Us to Handle It?

Synergy sends 1024(b)(4) requests on every ERISA lien we handle. We track deadlines, document non-compliance, and use accrued penalties strategically in negotiations. If you’d rather focus on your cases while we handle lien resolution, let’s talk. Have a specific lien? Send it over for a free analysis.

TESTIMONIALS

“Synergy Settlement Services offered clear and prompt guidance on their lien reduction services. Their team members were easy to work with and offered candid advice at every step on how to maximize our client’s settlement. Their work is much appreciated, and we recommend Synergy for lien reduction services.”

“Synergy’s focus on these liens allows our office to better represent our clients, by allowing us to focus on what we do best – litigation. Further, Synergy’s expertise in the Medicare and lien world provides a sense of security for the client and us as attorneys to ensure we are providing the client the best advise possible.”

“We fought numerous defendants to obtain a record‑breaking settlement but, in the end, it was Synergy who stepped up to help my office protect our client’s settlement proceeds. After obtaining millions of dollars from five different defendants, we were left with an ERISA medical insurance lien that refused to compromise and wanted 100% reimbursement. I attempted to negotiate with them, and they refused to accept any reductions whatsoever. Our client suffered a serious brain injury and there was no way we wanted an insurance company to get paid back in full. Synergy went to work on them and in short order they obtained a major reduction in the ERISA lien, putting substantially more money in my client’s pocket.”

“We were able to save our clients millions of dollars through Synergy’s healthcare lien resolution program."

“Newsome Melton has worked with Synergy for many years. Time and time again, Synergy has proven to be a great partner, committed to going above and beyond to maximize our clients’ net recovery.”

READY TO SCHEDULE A CONSULTATION?

The Synergy team will work diligently to ensure your case gets the attention it deserves. Contact one of our legal experts and get a professional review of your case today.

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