Letter of Protection: Get Medical Treatment Without Paying Upfront

A Letter of Protection, or LOP, is a legal document that allows you to receive medical treatment without paying upfront. Instead, the medical provider agrees to wait for payment until your personal injury case settles. This is particularly valuable for accident victims who do not have health insurance or whose insurance does not cover certain treatments.

How a Letter of Protection Works

Your attorney sends a letter to the medical provider guaranteeing that the provider will be paid from the proceeds of your settlement. The provider agrees to treat you without requiring upfront payment. When your case settles, the medical provider is paid from the settlement funds before you receive your share.

Advantages

Access to medical treatment without upfront costs. Ability to see specialists and get advanced treatment. No health insurance required. Treatment is documented for your claim.

Disadvantages

Medical bills on an LOP may be higher than insurance-negotiated rates. The provider's lien reduces your net settlement. You are responsible for the bills if your case is unsuccessful. Some providers charge premium rates for LOP patients.

Conclusion

A Letter of Protection can be a valuable tool for getting the medical treatment you need while your case is pending. Discuss the pros and cons with your attorney.

Use our free settlement calculator to estimate what your case might be worth.