Heartland Injury Partners is an Indianapolis-based PI firm with attorneys licensed across nine Midwestern states. The firm settles 80+ cases a month — mostly auto and workers' comp — at average case values well below coastal peers. That economics meant smaller settlements were going un-negotiated on liens because the manual effort exceeded the recovery, and the bookkeeper was spending entire weeks each month on trust reconciliation instead of provider follow-up. Heartland moved both lien negotiation and trust accounting onto Disbo to fix the math.
The Problem
- 60–100 settlements per month, each requiring its own settlement sheet, lien negotiation, and multi-party disbursement
- Indiana, Iowa, Kansas, Missouri, Nebraska, Minnesota, Wisconsin, and the Dakotas each enforce different IOLTA reconciliation and retention rules
- Health insurance subrogation and ERISA liens common on auto cases — hard to track across hundreds of open matters
- Bookkeepers spending entire weeks each month on trust reconciliation instead of lien follow-up
- Smaller settlements often skipped on lien negotiation entirely because the manual effort exceeded the recovery
The Solution
- Automated settlement sheet generation for every Heartland case — even $8,000 soft-tissue settlements get full distribution math
- AI-powered lien analysis applied to every lien on every case, regardless of settlement size, with subrogation and ERISA tracking built in
- Continuous three-way reconciliation replaced multi-week month-end work with always-current books
- State-specific IOLTA rule packs for all nine Midwestern states in Heartland's footprint applied automatically
80+/mo
Settlements Supported
Every Lien
AI Negotiation Coverage
9 States
Midwest Rule Packs
Always-Current
Trust Reconciliation
Heartland Injury Partners now negotiates every lien on every case — not just the big ones — and keeps every Midwestern trust account audit-ready without expanding the back office.