Letter of Protection

A Letter of Protection, often shortened to LOP, is a written commitment from a personal injury law firm to a healthcare or pharmacy provider. The firm agrees to pay the provider out of any future settlement, verdict, or judgment in the client's case. In exchange, the provider treats the client or fills medications with no upfront cost and no demand for insurance.

For personal injury attorneys, Letters of Protection bridge a real gap. Many injured plaintiffs have lost income, lost coverage, or cannot afford copays on the medications they were prescribed after a crash or a fall. Without a way to access care, the case stalls, the documentation thins, and the case value drops. A Letter of Protection keeps treatment moving and keeps the medical record building.

CreoRx operates as a lien pharmacy that funds prescriptions under a Letter of Protection arrangement. The firm signs a single master agreement, the client fills medications at any of 67,000+ pharmacies nationwide, and CreoRx waits for settlement. The firm has on-demand portal access to every charge, and reductions can be negotiated at the end of the case. This is the core of pharmacy lien solutions for personal injury practices.

A Letter of Protection is not insurance. It does not cover the client. It binds the law firm. If the case loses, the firm typically remains responsible for the negotiated balance, although structure varies by provider.