Workers’ Compensation & Second Injury Fund Recovery
Improve recovery outcomes for complex workers’ compensation and state SIF claims.
Reduce Your Exposure on Complex Workers’ Compensation Cases
Workers’ compensation and Second Injury Fund (SIF) recoveries are technical, state-specific, and unforgiving of errors. Filing requirements, lien rules, offsets, eligibility thresholds, and deadlines vary by jurisdiction, and mistakes can forfeit recovery or create compliance risks.
Cadex specializes exclusively in these recoveries. Our SIF attorneys and specialists manage investigations, filings, and negotiations across insurers, states, and third parties, helping employers and carriers recover funds while protecting audit integrity.
When an employee is injured on the job, recovery may be available from negligent third parties, at-fault drivers, product manufacturers, or property owners. We identify recovery opportunities, build cases for liability, and manage reimbursement.
When a new injury exacerbates a pre-existing condition, state SIF programs may be available to reimburse part of the claim. Cadex manages eligibility analysis, documentation, state-specific filings, and reimbursement — including takeovers of existing or dormant claims.
When wage loss or personal injury protection (PIP) benefits overlap with third-party settlements, premises liability, or malpractice claims, reimbursement may still be available. Cadex pursues these to prevent unnecessary leakage.
Put Cadex’s Specialized Second Injury Fund (SIF) and Subro Knowledge to Work
With $1.5 billion recovered through SIF programs, Cadex brings unmatched legal expertise and scalable execution to recovery. We manage hundreds of workers’ compensation and SIF cases annually; few organizations have deeper experience in this area.
Why Workers’ Comp & SIF Recovery Is Challenging
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Highly technical and jurisdiction/state-specific - Lien rules, filing deadlines, and employer offsets vary
- Often complicated by employer fault and SIF eligibility
- Settlements often require multi-party negotiations
- Mistakes can forfeit recovery or create legal exposure
- In-house teams often lack capacity and in-depth knowledge
Why Outsourcing to Cadex Delivers Better Results
- Investigative, financial, negotiation, and specific state specification savvy
- Early identification and disciplined processes
- Streamlined compliance with audit trails
- Negotiation expertise across multiple parties
- Contingency-based model reduces cost vs. law firms
- Reduced legal risk and improved recovery outcomes
How Organizations Are Improving On-the-Job Injury Recovery Outcomes
Dormant SIF Cases Revived
Cadex helped a national workers’ compensation carrier reclaim over $20 million from dormant SIF cases that had been written off as unrecoverable.
Liability That Affected Lives
Cadex secured 100% reimbursement on 13 denied carbon monoxide exposure claims by uncovering liability where none was initially found.
Frequently Asked Questions
Yes. Workers’ compensation and second injury fund cases involve handling detailed personal health information, so we are HIPAA and SOC 2 compliant. All data is stored within an auditable, compliant infrastructure with strict controls to maintain confidentiality, privacy, and regulatory compliance.
Cadex works both ways. We support law firms by handling non-legal recovery tasks to reduce costs and administrative burden, and we lead cases for carriers while involving lawyers as needed.
Cadex maintains strong, collaborative relationships with individual state funds, which enhances communication, accelerates updates, and strengthens negotiation outcomes. We work with open and closed SIF states.
- Open SIF States (New Claims) - We handle the full lifecycle of SIF claims in states actively accepting new submissions:
- Louisiana
- Massachusetts
- Nevada
- New Hampshire
- Closed/Established SIF States (Ongoing Claims) - We also manage the takeover and resolution of ongoing SIF claims in states with established or closed funds:
- New York
- Florida
- South Carolina
- Georgia
- And more
When Recoveries Are Sensitive or Stuck
We Get Difficult Done™
