{"id":28045,"date":"2026-09-04T10:30:00","date_gmt":"2026-09-04T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/nj-health-insurance-subrogation-2026-09-ko\/"},"modified":"2026-09-04T10:30:00","modified_gmt":"2026-09-04T14:30:00","slug":"nj-health-insurance-subrogation-2026-09-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/nj-health-insurance-subrogation-2026-09-ko\/","title":{"rendered":"\uac74\uac15\ubcf4\ud5d8 Subrogation \u2014 PI \ud569\uc758\uae08\uc5d0\uc11c \ubcd1\uc6d0\ube44\uac00 \ub2e4\uc2dc \ub098\uac00\ub294 \uc774\uc720\uc640 lien \ud611\uc0c1\ubc95"},"content":{"rendered":"<div class=\"slf-article slf-daily-pi\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">PERSONAL INJURY LAW \u00b7 \uc1a1\ub85c\ud38c \ubc95\ub960 \uce7c\ub7fc<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc0c1\ud669 \uac1c\uc694<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud55c \ud6c4 \uc624\ub79c \uc18c\uc1a1\u00b7\ud611\uc0c1 \ub05d\uc5d0 \uc0c1\ub2f9\ud55c \ud569\uc758\uae08\uc744 \ubc1b\uc558\uc9c0\ub9cc, \ub9c8\uc9c0\ub9c9 \uc21c\uac04\uc5d0 \uac74\uac15\ubcf4\ud5d8\uc0ac\uac00 &quot;\ub2f9\uc2e0\uc774 \uc6b0\ub9ac \ubcf4\ud5d8\uc73c\ub85c \uce58\ub8cc\ubc1b\uc740 \ubcd1\uc6d0\ube44\ub97c \ub3cc\ub824\uc8fc\uc2dc\uc624&quot;\ub77c\uba70 lien(\uc120\ucde8\ud2b9\uad8c)\uc744 \uccad\uad6c\ud574 \ud569\uc758\uae08\uc758 30~50%\uac00 \ub2e4\uc2dc \ube60\uc838\ub098\uac00\ub294 \uacbd\uc6b0\uac00 \ud754\ud569\ub2c8\ub2e4. \uc774 \ub180\ub77c\uc6c0\uc740 \uc0ac\uc804\uc5d0 subrogation\uc758 \uc874\uc7ac\ub97c \ubab0\ub790\ub358 \uc758\ub8b0\uc778\uc5d0\uac8c\uc11c \ud2b9\ud788 \ud06c\uac8c \ub098\ud0c0\ub098\uba70, \uc2e4\uc81c\ub85c\ub294 \ubbf8\ub9ac \ud611\uc0c1\ud558\uba74 lien\uc744 40~70%\uae4c\uc9c0 \ucd95\uc18c\ud560 \uc218 \uc788\ub294 \uc5ec\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ubc95\ub960\uc801 \uac1c\ub150<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Subrogation\uc740 \uac74\uac15\ubcf4\ud5d8\uc0ac\uac00 \uac00\uc785\uc790\ub97c \ub300\uc2e0\ud574 \ubcd1\uc6d0\ube44\ub97c \uc9c0\uae09\ud55c \ud6c4, \uc0ac\uace0 \uc6d0\uc778\uc774 \uc81c3\uc790\uc5d0\uac8c \uc788\ub294 \uacbd\uc6b0 \uadf8 \uc81c3\uc790(\ub610\ub294 \uadf8 \ubc30\uc0c1\uae08)\ub85c\ubd80\ud130 \uc9c0\uae09\uc561\uc744 \ud68c\uc218\ud560 \uc218 \uc788\ub294 \uad8c\ub9ac\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c \uc774 \uad8c\ub9ac\uc758 \uc2e4\ud604 \ubc29\uc2dd\uc740 \ubcf4\ud5d8 \uc885\ub958\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">ERISA \uc790\uccb4 \ubcf4\ud5d8(self-funded employer plan): \uc5f0\ubc29\ubc95 \uc6b0\uc120. subrogation \uc870\ud56d\uc774 \uac15\ub825\ud558\uba70 \uc8fc\ubc95\uc758 anti-subrogation \uaddc\uc815 \ud68c\ud53c \uac00\ub2a5.<\/li>\n<li style=\"margin:5px 0;\">Fully-insured plan (NJ \uad00\ud560): \ub274\uc800\uc9c0 collateral source rule\uacfc anti-subrogation \ud310\ub840\uac00 \uc801\uc6a9\ub418\uc5b4 \ud68c\uc218 \uc81c\ud55c.<\/li>\n<li style=\"margin:5px 0;\">Medicare \/ Medicaid: \uc5f0\ubc29\ubc95\uc0c1 \uc790\ub3d9 lien. \ud1b5\uc9c0 \uc5c6\uc774\ub3c4 \uc9c0\uae09 \uc758\ubb34.<\/li>\n<li style=\"margin:5px 0;\">NJ PIP: \uc790\ub3d9\ucc28 \ubcf4\ud5d8 PIP\ub294 \uc6d0\uce59\uc801\uc73c\ub85c subrogation \uae08\uc9c0(N.J.S.A. 39:6A-9.1 \uc608\uc678 \uc81c\uc678).<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ub274\uc800\uc9c0 \uaddc\uc815<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">Perreira v. Rediger, 169 N.J. 399 (2001) \u2014 \ub274\uc800\uc9c0 \ub300\ubc95\uc6d0. Fully-insured health plan\uc740 collateral source doctrine\uc5d0 \ub530\ub77c subrogation \ud06c\uac8c \uc81c\ud55c.<\/li>\n<li style=\"margin:5px 0;\">N.J.S.A. 2A:15-97 (Collateral Source Statute) \u2014 \ubc30\uc2ec \ubc30\uc0c1\uc5d0\uc11c collateral source\ub85c \uc9c0\uae09\ub41c \uae08\uc561\uc744 \uc6d0\uce59\uc801\uc73c\ub85c \uacf5\uc81c.<\/li>\n<li style=\"margin:5px 0;\">N.J.S.A. 39:6A-9.1 \u2014 PIP \uc9c0\uae09\uc561\uc740 \uc6d0\uce59\uc801\uc73c\ub85c non-subrogatable.<\/li>\n<li style=\"margin:5px 0;\">ERISA \u00a7 502(a)(3) \u2014 \uc790\uccb4 \ubcf4\ud5d8 employer plan\uc758 \uc6b0\uc120 \ud68c\uc218\uad8c.<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud2b9\ud788 US Airways v. McCutchen, 569 U.S. 88 (2013) \uc774\ud6c4 ERISA plan\uc758 subrogation \uc870\ud56d\uc740 \ubb38\uc5b8 \uadf8\ub300\ub85c \uc9d1\ud589\ub418\uc5b4 made-whole \uc774\ub098 common fund \ud56d\ubcc0\uc774 \uc870\ud56d\uc5d0 \uba85\uc2dc\ub418\uc9c0 \uc54a\uc73c\uba74 \ud798\uc744 \uc783\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc2e4\uc804 \ub300\uc751<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\uc18c\uc1a1 \ucd08\uae30\ubd80\ud130 \uac74\uac15\ubcf4\ud5d8 \uce74\ub4dc \uc885\ub958(\uc790\uccb4 \ubcf4\ud5d8 vs \uc644\uc804 \ubcf4\ud5d8) \ud655\uc778. HR \ub2f4\ub2f9\uc790 \ub610\ub294 Summary Plan Description(SPD) \uc694\uccad.<\/li>\n<li style=\"margin:5px 0;\">Medicare\/Medicaid \uac00\uc785\uc790\ub294 CMS\uc5d0 Conditional Payment Letter \uc694\uccad. \ucd08\uae30 \uc561\uc218\uc640 \ucd5c\uc885 \uc561\uc218\ub294 \ub2e4\ub984.<\/li>\n<li style=\"margin:5px 0;\">ERISA plan lien\uc740 \ubb38\uc11c \uc870\ud56d \uc6d0\ubb38 \ud655\uc778. &quot;first dollar&quot; \uc870\ud56d\uc774 \uc788\uc73c\uba74 made-whole doctrine \uc790\ub3d9 \ubc29\uc5b4 \ubd88\uac00.<\/li>\n<li style=\"margin:5px 0;\">Attorney fee\uc640 \uc18c\uc1a1 \ube44\uc6a9\uc5d0 \ub300\ud55c lien \uacf5\uc81c \ud611\uc0c1 (common fund doctrine \uc751\uc6a9).<\/li>\n<li style=\"margin:5px 0;\">\ucd5c\uc885 \ud569\uc758 \uc804 lien \ud640\ub354\uc5d0 \uc815\uc2dd \uac10\uc561 \uc694\uccad\uc11c \uc804\uc1a1. \ud1b5\uc0c1 30~40% \uac10\uc561\uc774 \uc2dc\uc791\uc810.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ud754\ud55c \uc624\ud574<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">&quot;\uac74\uac15\ubcf4\ud5d8\uc774\ub2c8\uae4c \ub3cc\ub824\uc904 \ud544\uc694 \uc5c6\ub2e4&quot;: ERISA plan\uc740 \uc624\ud788\ub824 \ud68c\uc218 \uad8c\ud55c\uc774 \uac15\ub825.<\/li>\n<li style=\"margin:5px 0;\">&quot;Medicare\ub294 \uc54c\uc544\uc11c \ucc98\ub9ac\ud574\uc900\ub2e4&quot;: CMS lien\uc740 \ucd5c\uc885 \ud569\uc758 \ud6c4\uc5d0\ub3c4 30\uc77c \ub0b4 \uc815\uc0b0\ud558\uc9c0 \uc54a\uc73c\uba74 \uc774\uc790\u00b7\ud398\ub110\ud2f0.<\/li>\n<li style=\"margin:5px 0;\">&quot;\ubaa8\ub4e0 lien\uc774 \uac10\uc561 \uac00\ub2a5\ud558\ub2e4&quot;: ERISA plan\uc740 \uc870\ud56d \ubb38\uc5b8\uc5d0 \ub530\ub77c \uac10\uc561 \uc5ec\uc9c0\uac00 \ud06c\uac8c \uc881\uc544\uc9d0.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ud575\uc2ec \uc815\ub9ac<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">Subrogation \uc720\ud615 \ud30c\uc545\uc774 \ud611\uc0c1 \uc2dc\uc791\uc810.<\/li>\n<li style=\"margin:5px 0;\">ERISA plan\uc740 \uc870\ud56d \uc6d0\ubb38\uc774 \uacb0\uc815\uc801.<\/li>\n<li style=\"margin:5px 0;\">Fully-insured NJ plan\uc740 Perreira \ud310\ub840 \ud65c\uc6a9 \uac00\ub2a5.<\/li>\n<li style=\"margin:5px 0;\">Medicare\/Medicaid lien\uc740 \uc790\ub3d9 \ubc1c\ub3d9.<\/li>\n<li style=\"margin:5px 0;\">\ucd5c\uc885 \ud569\uc758 \uc804 lien \uac10\uc561 \ud611\uc0c1 \ud544\uc218.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc2dc\uc0ac\uc810<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\uc758 PI \ud569\uc758\uae08\uc740 \uacc4\uc57d\uc11c\uc5d0 \uc11c\uba85\ud55c\ub2e4\uace0 \ub05d\uc774 \uc544\ub2d9\ub2c8\ub2e4. Subrogation\uacfc lien \ud611\uc0c1\uc774 \uc9c4\uc9dc \ub9c8\uc9c0\ub9c9 \ub2e8\uacc4\uc774\uba70, \uc5ec\uae30\uc11c \uc2e4\uc81c\ub85c \uc190\uc5d0 \ub0a8\ub294 \uae08\uc561\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc790\uccb4 \ubcf4\ud5d8(ERISA) plan, \uc644\uc804 \ubcf4\ud5d8, Medicare, PIP, Workers Comp lien \ub4f1 \uc5ec\ub7ec \ud68c\uc218 \uc8fc\uccb4\uac00 \uc5bd\ud600 \uc788\ub294 \uacbd\uc6b0, \uc21c\uc11c\uc640 \ud611\uc0c1 \uc804\ub7b5\uc744 \uc798\ubabb \uc9dc\uba74 \ud569\uc758\uae08\uc758 \uc808\ubc18 \uc774\uc0c1\uc774 lien\uc73c\ub85c \uc0ac\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695 PI \uc0ac\uac74\uc5d0\uc11c \ucd08\uae30\ubd80\ud130 lien \uad6c\uc870\ub97c \uc9c4\ub2e8\ud558\uace0, \ucd5c\uc885 \ud569\uc758 \uc804 \uc815\uc2dd \uac10\uc561 \ud611\uc0c1\uc744 \ud1b5\ud574 \uc758\ub8b0\uc778\uc758 \uc2e4\uc81c \uc21c\uc218\ub839\uc561\uc744 \uadf9\ub300\ud654\ud569\ub2c8\ub2e4.<\/p>\n<div class=\"slf-contact-block\" style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \uc1a1\ub85c\ud38c<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\uad50\ud1b5\uc0ac\uace0\u00b7\uc0ac\uace0\uc0c1\ud574 \uc0c1\ub2f4\uc774 \ud544\uc694\ud558\uc2ed\ub2c8\uae4c?<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\n\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n<div class=\"slf-disclaimer\" style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\">\n<strong style=\"color:#333;\">\uba74\ucc45 \uace0\uc9c0<\/strong> \u00b7 \ubcf8 \uce7c\ub7fc\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc0ac\uace0\uc0c1\ud574\ubc95\uc5d0 \uad00\ud55c \uc77c\ubc18 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \uac1c\ubcc4 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubc95\ub960\u00b7\uaddc\uc815\u00b7\ud310\ub840\ub294 \uc218\uc2dc\ub85c \ubcc0\uacbd\ub418\ubbc0\ub85c \uc2dc\uc810\uc5d0 \ub530\ub77c \ub0b4\uc6a9\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. NJ Rules of Professional Conduct 7.1\uc5d0 \ub530\ub77c \uc774 \uc790\ub8cc\uc758 \uac8c\uc7ac\ub294 \ubcc0\ud638\uc0ac\u2013\uc758\ub8b0\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud558\uc9c0 \uc54a\uc73c\uba70, \uad6c\uccb4\uc801 \uc0ac\uac74\uc740 \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\uac74\uac15\ubcf4\ud5d8 Subrogation \u2014 PI \ud569\uc758\uae08\uc5d0\uc11c \ubcd1\uc6d0\ube44\uac00 \ub2e4\uc2dc \ub098\uac00\ub294 \uc774\uc720\uc640 lien \ud611\uc0c1\ubc95\", \"description\": \"\uc0c1\ud669 \uac1c\uc694 \ub274\uc800\uc9c0\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud55c \ud6c4 \uc624\ub79c \uc18c\uc1a1\u00b7\ud611\uc0c1 \ub05d\uc5d0 \uc0c1\ub2f9\ud55c \ud569\uc758\uae08\uc744 \ubc1b\uc558\uc9c0\ub9cc, \ub9c8\uc9c0\ub9c9 \uc21c\uac04\uc5d0 \uac74\uac15\ubcf4\ud5d8\uc0ac\uac00 &quot;\ub2f9\uc2e0\uc774 \uc6b0\ub9ac \ubcf4\ud5d8\uc73c\ub85c \uce58\ub8cc\ubc1b\uc740 \ubcd1\uc6d0\ube44\ub97c \ub3cc\ub824\uc8fc\uc2dc\uc624&quot;\ub77c\uba70 lien(\uc120\ucde8\ud2b9\uad8c)\uc744 \uccad\uad6c\ud574 \ud569\uc758\uae08\uc758 30~50%\uac00 \ub2e4\uc2dc \ube60\uc838\ub098\uac00\ub294 \uacbd\uc6b0\uac00 \ud754\ud569\ub2c8\ub2e4. \uc774 \ub180\ub77c\uc6c0\uc740 \uc0ac\uc804\uc5d0 subrogation\uc758 \uc874\uc7ac\ub97c \ubab0\ub790\ub358 \uc758\ub8b0\uc778\uc5d0\uac8c\uc11c \ud2b9\ud788 \ud06c\uac8c \ub098\ud0c0\ub098\uba70, \uc2e4\uc81c\ub85c\ub294 \ubbf8\ub9ac \ud611\uc0c1\ud558\uba74 lien\uc744 40~70%\uae4c\uc9c0 \ucd95\uc18c\ud560 \uc218 \uc788\ub294 \uc5ec\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubc95\ub960\uc801 \uac1c\ub150 Subrogation\uc740 \uac74\uac15\ubcf4\ud5d8\uc0ac\uac00 \uac00\uc785\", \"datePublished\": \"2026-09-04T10:30:00\", \"author\": {\"@type\": \"Organization\", \"name\": \"Song Law Firm\"}, \"publisher\": {\"@type\": \"LegalService\", \"name\": \"Song Law Firm\", \"url\": \"https:\/\/songlawfirm.com\", \"telephone\": \"+1-201-461-0031\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"400 Kelby Street, Suite 1900\", \"addressLocality\": \"Fort Lee\", \"addressRegion\": \"NJ\", \"postalCode\": \"07024\", \"addressCountry\": \"US\"}, \"areaServed\": [\"NJ\", \"NY\"]}, \"inLanguage\": \"ko-KR\", \"articleSection\": \"Personal Injury\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0c1\ud669 \uac1c\uc694 \ub274\uc800\uc9c0\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud55c \ud6c4 \uc624\ub79c \uc18c\uc1a1\u00b7\ud611\uc0c1 \ub05d\uc5d0 \uc0c1\ub2f9\ud55c \ud569\uc758\uae08\uc744 \ubc1b\uc558\uc9c0\ub9cc, \ub9c8\uc9c0\ub9c9 \uc21c\uac04\uc5d0 \uac74\uac15\ubcf4\ud5d8\uc0ac\uac00 &quot;\ub2f9\uc2e0\uc774 \uc6b0\ub9ac \ubcf4\ud5d8\uc73c\ub85c \uce58\ub8cc\ubc1b\uc740 \ubcd1\uc6d0\ube44\ub97c \ub3cc\ub824\uc8fc\uc2dc\uc624&quot;\ub77c\uba70 lien(\uc120\ucde8\ud2b9\uad8c)\uc744 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