Kramer, Dunleavy & Ratchik, PLLC

Kramer, Dunleavy & Ratchik, PLLC Kramer, Dunleavy & Ratchik, PLLC is dedicated to the representation of accident victims and their families. Calls go unanswered. Emails unreturned.

With close to 100 years of combined experience, the attorneys at KD&R have devoted their entire legal careers to pursuing justice on behalf of injured New Yorkers and ensuring that they receive fair and just compensation for their loss. The firm is guided by a core philosophy: that every client has a story to tell and deserves to be treated as if their case is the most important case. Too often, c

lients hire law firms only to never speak with an actual attorney after an initial consultation. At KD&R, we take a different approach, regularly speaking with our clients to better understand how an injury affects their life. So that we can make sure that their story gets told.

The summary plan description from your health insurance likely includes a subrogation clause, giving your insurer the ri...
09/03/2026

The summary plan description from your health insurance likely includes a subrogation clause, giving your insurer the right to reimbursement if you recover money from a third party for the same injury.

Most people never read that section. Not sure what's in your health plan's subrogation clause? We can help you make sense of it. Contact our office at 212-226-6662.

Kramer, Dunleavy & Ratchik, PPLC | https://champ.ly/6O58dxTS | Attorney Advertising

Lien resolution with Medicare or Medicaid can take weeks or months, even after a case has already settled. It's not a de...
09/02/2026

Lien resolution with Medicare or Medicaid can take weeks or months, even after a case has already settled. It's not a delay on our end, it's the reality of working with agencies handling enormous claim volumes.

Waiting on a lien resolution? Contact our office at (212) 226-6662; we can help you understand the timeline.

Kramer, Dunleavy & Ratchick, PLLC | https://champ.ly/6O58dxTS | Attorney Advertising

If you were injured on the job and also have a third-party claim, there's an extra step: written permission from your wo...
09/01/2026

If you were injured on the job and also have a third-party claim, there's an extra step: written permission from your workers' compensation carrier before you can settle that third-party case.

Skipping this step can jeopardize the settlement entirely. Filing a third-party claim after a workplace injury? Let's talk through the steps together. Call 212-226-6662

Kramer, Dunleavy & Ratchick, PLLC | https://champ.ly/6O58dxTS | Attorney Advertising

A common misconception: private social media accounts are safe from discovery in a lawsuit. New York State’s highest cou...
08/20/2026

A common misconception: private social media accounts are safe from discovery in a lawsuit. New York State’s highest court, however, has held that social media is discoverable when it is reasonably likely to contain material relevant to your injuries, your claims, and/or your credibility. Privacy settings limit who sees a post, not whether it can be requested in litigation.

Kramer, Dunleavy & Ratchik, PLLC
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A smiling photo, a workout check-in, a vacation picture. None of it feels like a big deal in the moment. But if you are ...
08/19/2026

A smiling photo, a workout check-in, a vacation picture. None of it feels like a big deal in the moment. But if you are claiming that an injury has diminished your enjoyment of life, posts like these can be used to argue otherwise.

Kramer, Dunleavy & Ratchik, PLLC |
https://champ.ly/6O58dxTS |
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During a deposition, expect direct questions about your social media use: which platforms you use, how often you post, a...
08/18/2026

During a deposition, expect direct questions about your social media use: which platforms you use, how often you post, and whether you have posted about the incident or your medical treatment. Being prepared for these questions is part of protecting your case.

Kramer, Dunleavy & Ratchik, PLLC
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Medicare liens are one of the most common and most misunderstood parts of a personal injury settlement. Medicare pays m...
08/13/2026

Medicare liens are one of the most common and most misunderstood parts of a personal injury settlement. Medicare pays medical bills "conditionally," meaning it expects reimbursement if a third party later compensates the client for the same injury.

If that lien isn't resolved, Medicare can pursue the attorney directly. If Medicare paid for any of your treatment, talk to your attorney early.

Contact us if you need guidance: 212-226-6662

Kramer, Dunleavy & Ratchik, PLLC | https://champ.ly/6O58dxTS | Attorney Advertising

A settlement number and a take-home number are not always the same thing. Liens from Medicare, Medicaid, workers' compen...
08/12/2026

A settlement number and a take-home number are not always the same thing. Liens from Medicare, Medicaid, workers' compensation carriers, or private health insurers can all reduce
what a client walks away with, and resolving them takes time.

Have questions about a lien on your case? Reach out, we're happy to walk you through it.

Kramer, Dunleavy & Ratchik, PLLC | https://champ.ly/6O58dxTS | Attorney Advertising

"When do I get my money?" It's the question every personal injury client asks after a settlement. The honest answer: not...
08/11/2026

"When do I get my money?"

It's the question every personal injury client asks after a settlement.
The honest answer: not always right away, and not always the full amount you expect.

Before funds can be released, valid liens (Medicare, Medicaid, workers' comp, private
health insurance) often need to be resolved first.

If you're waiting on a settlement and want to
understand what's involved, give our office a call, 212-226-6662

Kramer, Dunleavy & Ratchik, PLLC | https://champ.ly/6O58dxTS | Attorney Advertising

What happens if you simply do not go?Clients sometimes ask whether they can decline a defense medical examination. The s...
07/30/2026

What happens if you simply do not go?

Clients sometimes ask whether they can decline a defense medical examination. The short answer is no, and the consequences of trying are severe.

When you bring a personal injury action, you place your physical condition in controversy. That entitles the opposing side to have you examined by one or more physicians. It is a right they exercise in every case.

Ignore court-ordered examinations and a court may preclude you from proving your injuries at trial, which in practical terms amounts to a dismissal. In the no-fault context, non-appearance can terminate benefits outright and stick you with unpaid bills.

You might dislike the process. But you cannot skip it.



Kramer, Dunleavy & Ratchik, PLLC | https://champ.ly/6O58dxTS | Attorney Advertising

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15 Maiden Lane, Suite 2005
New York, NY
10038

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