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"If you have insurance from your employer it's a group plan covered by ERISA -- Federally regulated.


I am not sure what you mean by that. I have a small personal injury law practice here in Virginia and at least as far as subrogation liens are concerned, ERISA only applies to certain self funded plans established by large employers who qualify under ERISA. For example, Anthem BC/BS here in Virginia provides coverage for numerous employers who are not covered by ERISA at least insofar as subrogation liens are concerned.
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