Raffi Naljian: Medical Lien Negotiation to Maximize Your Recovery
Attorney Raffi Naljian negotiates medical liens aggressively so you keep more of your settlement. Hospital liens, health insurance subrogation, and Medi-Cal liens can consume your recovery—unless properly negotiated.
Worried about liens eating your settlement?
Raffi Naljian
Lead Personal Injury Attorney
With 15+ years of experience, Raffi Naljian has recovered millions for accident victims across California. Known for aggressive negotiation and compassionate client care.
View Full ProfileIs This the Right Attorney for Your Case?
Raffi Naljian has reduced client liens by thousands of dollars by understanding lien law, common fund doctrine, and negotiation tactics. His lien negotiations are included in his representation—no extra cost.
What to Do Next
- 1Gather all medical bills and lien notices
- 2Note any health insurance payments made
- 3Keep all correspondence from lien holders
- 4Do not pay any liens without consulting attorney
- 5Identify all potential lien holders
- 6Discuss lien strategy with Raffi Naljian
📋Evidence Checklist
- Hospital and provider bills
- Health insurance EOB statements
- Medi-Cal or Medicare notices
- Lien letters and demands
- Treatment records with itemized charges
- Your health insurance policy
- Workers' comp if applicable
- Letters of protection signed
Keep more of your recovery.
Common Mistakes to Avoid
- Paying liens in full without negotiation
- Not knowing about all lien claims
- Settling case without addressing liens
- Ignoring health insurance subrogation rights
- Missing made whole doctrine arguments
How the Process Typically Works
Lien Identification
Identify all parties with lien or subrogation rights
Case Resolution
Settle or win your personal injury case
Lien Negotiation
Negotiate reductions before distributing funds
Final Distribution
Pay reduced liens and maximize client recovery
Damages You May Be Able to Recover
- •Full settlement amount less reduced liens
- •Common fund attorney fee reductions
- •Made whole doctrine protection
- •ERISA plan negotiations
- •Government lien statutory reductions
- •Hospital charity care reductions
Frequently Asked Questions
What is a medical lien?
A legal claim against your settlement by healthcare providers or insurers who paid for your injury treatment. They must be paid from your recovery.
Can medical liens really be reduced?
Yes. Raffi Naljian typically reduces liens by 25-50% using common fund doctrine, made whole arguments, and negotiation.
What is the made whole doctrine?
A legal principle that may prevent health insurers from taking lien amounts until you are fully compensated for all damages.
Do I have to pay my health insurance back?
Usually yes, but the amount can often be significantly reduced. ERISA plans have different rules than state-regulated plans.
What about Medi-Cal or Medicare liens?
Government liens have special rules and mandatory reduction formulas. Raffi Naljian ensures proper calculation and maximum reduction.
Free consultation—lien negotiation included.
Related Resources
Free Consultation
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What happens next
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Important Disclosures
Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed as formal legal advice nor the formation of a lawyer/client relationship. Prior results do not guarantee a similar outcome. No attorney-client relationship is formed by viewing this website or submitting a contact form. Results vary based on the specific facts and circumstances of each case.