General

A claim for loss totally compensated by an insurer with the rights to subrogate may be presented  to OPM by the insurer. A claim for loss partially compensated by an insurer with the rights to subrogate may be presented by the insurer or the insured individually, as their respective interests appear, or jointly. When an insurer presents a claim asserting the rights to subrogate, the insurer must present with the claim appropriate evidence that shows the insurer has the rights to subrogate, such as a written statement signed by the insured authorizing the company to file the claim on the insured’s behalf.