Innovative Renal Care Data Breach Settlement

The Innovative Renal Care settlement resolves claims over a data incident at American Renal Management LLC, which does business as Innovative Renal Care, in which an unauthorized actor accessed IRC computer systems between February 21, 2024 and March 1, 2024. The single thing most coverage of this settlement gets wrong is the word “or.” The benefits are cumulative, not alternatives. The court-authorized FAQ says a class member may claim the pro rata cash payment “in addition to or instead of Documented Monetary Loss,” and may claim the credit monitoring “in addition to the cash payment(s).” So one person can take up to $5,000 in documented losses AND an estimated $100 in cash AND two years of credit monitoring, all on the same form. Ticking one box because you thought you had to choose is the easiest way to lose money here. Three things need reading carefully. The $5,000 caps the documented-loss tier alone — not the settlement, and not the cash payment. The $100 is paid last: out of the $900,000 fund the administrator pays administration costs, service awards and attorneys' fees of up to $300,000 first, then documented losses, then credit monitoring, and the cash is whatever is left divided among valid claims — so treat $100 as an estimate that can fall. And the class is a closed list of roughly 59,400 people: it covers IRC employees, former employees and patients who were sent notice starting February 14, 2025 or otherwise identified by IRC, not anyone who has ever dealt with the company. The class definition is also limited to “all living persons.” Watch the split deadline: claims close December 21, 2026, but opting out or objecting closes a month earlier, on November 20, 2026.

Do I Qualify?

You may be eligible if:

• You were SENT A NOTICE by Innovative Renal Care about the data incident, or IRC otherwise determined your personal information was potentially impacted by it. This is the whole class definition and the biggest filter on the page — it is a closed list of roughly 59,400 people built from IRC's records, not an open claim for anyone who used the company
• You can be a PATIENT or an EMPLOYEE. The official FAQ says the incident potentially compromised data of “IRC employees, former employees, and patients,” so there is no employee-only or patient-only restriction here — the only question is whether you were notified
• You are a living person. The Settlement Class is defined as “all living persons” who were sent notice or otherwise determined to be impacted, and the settlement documents describe no separate claim route for the estate of a class member who has died
• You do NOT need to have suffered fraud, identity theft or any loss. The estimated $100 pro rata cash payment and the two years of credit monitoring require no documentation at all — documentation is only needed for the separate up-to-$5,000 documented-loss option
• You do NOT have to choose between the benefits. The pro rata cash may be claimed “in addition to or instead of” documented losses, and the credit monitoring on top of either
• Any US state. There is no state restriction and no state-by-state difference in the amounts
• You are not in an excluded group: IRC itself, entities it controls, and IRC's officers, directors, legal representatives, successors, subsidiaries and assigns are out, as are any judge or judicial officer presiding over the matter, their immediate families and judicial staff, and anyone who validly excludes themselves
• You file a valid Claim Form online by 11:59 p.m. Central Time on December 21, 2026, or postmarked by that date — and if you wanted to opt out or object instead, that window closes a month earlier, on November 20, 2026

There are two separate gates here, and only one of them is about documentation. Getting into the form. The online claim form at www.ircsettlement.com opens with a login screen asking for the Class Member ID printed on the notice Kroll mailed you, and it will not open without that code. That makes this an ID-gated settlement even though the $100 pro rata payment itself asks for no documentation whatsoever. The gate is not absolute: the paper claim form asks for the Class Member ID only if known, so a class member who was notified but has lost the code can download the full form from the Documents page, or call (833) 319-0340 or use the Contact Us form to request one, and mail it in instead. The mailed notice also carried a tear-off postcard claim form preprinted with the Class Member ID — useful for the credit monitoring and the pro rata cash, but it cannot be used to claim documented losses. Proving the benefits. This splits by benefit. For the estimated $100 pro rata cash payment, no documentation is required at all. For the two years of credit monitoring, nothing either — every class member may claim it. Only the documented monetary loss claim of up to $5,000 needs records: reasonable third-party documentation such as credit card statements, bank statements, invoices, phone bills, screenshots or receipts, itemized on the form. The settlement agreement is explicit that a personal certification, declaration or affidavit does not count as documentation on its own, and that an expense already reimbursed from another source — including anything covered by the credit monitoring and identity theft protection product IRC offered with its notification letter — cannot be claimed again. If a documented-loss claim falls short. The administrator asks for the missing information first and gives the claimant twenty-one days to cure, with a reasonable extension for good cause such as illness or military service. If the defect is not cured, or the claim is rejected for another reason, the agreement says the claim is treated as a claim for a Pro Rata Cash Payment rather than being denied outright.

What Happened?

On or around February 29, 2024, American Renal Management LLC d/b/a Innovative Renal Care became aware of suspicious activity within certain computer systems. Its investigation determined that an unauthorized actor had accessed certain systems between February 21, 2024 and March 1, 2024.

The official FAQ says the incident potentially compromised data of IRC employees, former employees and patients, and the categories listed are unusually broad: name, address, date of birth, Social Security number, driver's license or state identification number, financial account information, taxpayer identification number, electronic signature, health insurance information, medical billing and claim information, medical diagnosis or condition information, medical prescription information, medical record number, medical treatment information, patient account number and patient identification number. Not every class member's records included every category.

IRC identified roughly 59,400 living individuals whose information may have been affected and began notifying them on February 14, 2025.

The first complaint was filed on March 3, 2025 and the suits that followed were consolidated on May 28, 2025 as In re American Renal Management LLC Data Breach Litigation, Case No. 3:25-cv-00248-EJR, in the U.S. District Court for the Middle District of Tennessee before the Honorable Eli J. Richardson. The Representative Plaintiffs are Pamela Futrell-Parham, Steevenson Jolicoeur, Jhovanna Salazar, Jane Doe and John Doe. The Court appointed J. Gerard Stranch IV of Stranch, Jennings & Garvey, PLLC as Class Counsel. The consolidated amended complaint alleged negligence, negligence per se, breach of implied contract, invasion of privacy, unjust enrichment, and violations of the California Consumer Privacy Act and the California Unfair Competition Law.

IRC denies all of the claims and any liability or wrongdoing. The Court has not decided in favor of either side and has made no finding that any law was violated; the parties settled to avoid the cost, risk and delay of continuing the case. The parties reached the settlement at an all-day mediation on April 29, 2026 before the Honorable Daryl R. Fansler, a retired Tennessee chancellor.

IRC agreed to pay $900,000 into a Settlement Fund and, as part of the settlement consideration, states that it has adopted, paid for and implemented information security changes on its systems and will maintain them. Kroll Settlement Administration LLC is the Settlement Administrator.

The Final Fairness Hearing is scheduled for February 1, 2027 at 9:00 a.m. Central Time in Nashville, where the Court will decide whether to approve the settlement and rule on Class Counsel's request for fees and expenses and the $2,500 service awards. The date and time can change, so the official settlement website is the place to confirm. Benefits are distributed only after final approval and after any appeals are resolved — no payment date has been announced.

How to File Your Claim

1. START BY CHECKING YOU WERE NOTIFIED: this class is a closed list. It covers people IRC sent a data incident notice to beginning February 14, 2025, or who IRC otherwise determined were potentially impacted — roughly 59,400 people. Having been an Innovative Renal Care patient or employee at some point is not by itself enough
2. CLAIM EVERY BENEFIT THAT APPLIES — THEY STACK. This is the single most important thing on the form. The official FAQ says a class member may claim a Pro Rata Cash Payment “in addition to or instead of Documented Monetary Loss,” and may claim the two years of credit monitoring on top of either. Selecting only one box because you assumed the options were alternatives leaves money behind
3. File online at www.ircsettlement.com — click Submit Claim. The online form opens with a login screen that asks for the Class Member ID printed on the notice Kroll mailed you, and it will not open without that code
4. NO CLASS MEMBER ID? USE PAPER. The paper Claim Form asks for the Class Member ID only if known, so someone who was notified but has lost the code can still file. Download the full claim form from the Documents page at www.ircsettlement.com, or call (833) 319-0340 or use the site's Contact Us form to request one. The mailed notice also carried a tear-off postcard claim form preprinted with the Class Member ID — that postcard can be used to claim the credit monitoring and the pro rata cash, but NOT documented losses
5. If you are claiming Documented Monetary Losses, itemize each loss on the form and attach reasonable third-party documentation — credit card statements, bank statements, invoices, phone bills, receipts. The settlement agreement is explicit that a personal certification, declaration or affidavit does not count as documentation on its own, and you cannot claim an expense already reimbursed from another source, including anything covered by the credit monitoring product IRC offered with its notification letter
6. Sign the attestation confirming the losses were incurred as a result of the Data Incident
7. Electronic payment is offered only to people who file online. A claim mailed on paper is paid by check
8. Mail paper claims to Settlement Administrator - 83450, c/o Kroll Settlement Administration LLC, ATTN: Claims, P.O. Box 5324, New York, NY 10150-5324
9. DEADLINE: online claim forms by 11:59 p.m. Central Time on December 21, 2026, or paper forms postmarked by December 21, 2026
10. SPLIT DEADLINE: the deadlines to opt out or to object are both November 20, 2026 — a month before the claim deadline. Opting out is the only way to keep the right to sue IRC separately
11. objecting does not stop you filing a claim, but opting out does
12. If you do not select a cash option on the form at all, the administrator treats your submission as a claim for the Pro Rata Cash Payment
13. Questions: Kroll Settlement Administration on (833) 319-0340, or the Contact Us form at www.ircsettlement.com
14. Visit the official claim form: https://www.ircsettlement.com/

How Much Will I Actually Get?

THE THREE BENEFITS STACK — THIS IS NOT AN EITHER-OR SETTLEMENT, WHATEVER THE HEADLINES SAY. Almost every write-up of this case frames it as “$100 OR up to $5,000.” The settlement documents say the opposite. The official FAQ states that a class member may claim the Pro Rata Cash Payment “in addition to or instead of Documented Monetary Loss,” and that the credit monitoring may be claimed “in addition to the cash payment(s).” The administrator's own home page uses the words “and/or.” All three are elected on the same claim form, and a class member with receipts can take all three. (1) DOCUMENTED MONETARY LOSSES: up to $5,000 per class member for documented out-of-pocket losses related to the Data Incident. The agreement's non-exhaustive examples are out-of-pocket credit monitoring costs incurred on or after February 14, 2025 through December 21, 2026, unreimbursed losses associated with actual fraud or identity theft, and unreimbursed bank fees, long distance phone charges, postage or mileage at the prevailing IRS business mileage rate. Reasonable third-party documentation is required; a personal certification or affidavit alone is not enough, and expenses already reimbursed elsewhere cannot be claimed again. (2) PRO RATA CASH PAYMENT: cash estimated at $100, with no documentation required. (3) CREDIT MONITORING: two years of one-bureau credit monitoring with dark web monitoring, up to $1,000,000 of identity theft insurance and fully managed identity recovery services. WHAT THE $5,000 IS NOT. The $5,000 is the ceiling on the documented-loss tier alone. It is not a cap on the settlement, it does not limit the pro rata cash payment or the credit monitoring, and nobody receives it by default — reaching $5,000 takes $5,000 of receipted, unreimbursed losses. WHY THE $100 IS AN ESTIMATE AND COULD SHRINK. The order the fund is spent in is the whole story, and it puts the $100 last. IRC is paying $900,000 in total. Out of that comes the Costs of Claims Administration, any service awards, and any attorneys' fees and expenses the Court awards — Class Counsel will ask for up to one-third of the fund, which is $300,000, plus litigation expenses, plus $2,500 for each of the five Representative Plaintiffs. From the Net Settlement Fund that is left, the administrator then pays, in this order: first every valid Documented Monetary Loss claim, second the credit monitoring, and only third the Pro Rata Cash Payments — which are calculated by dividing whatever remains by the number of valid claims. So the $100 is a residual, not a promise. The administrator says it will be “adjusted upwards or downwards based upon the number of Valid Claims filed,” and on a $900,000 fund with roughly 59,400 class members a heavy claim rate, or heavy documented-loss claiming, pushes it down. Nothing is paid unless the Court grants final approval at the February 1, 2027 fairness hearing and any appeals are resolved.

Last reviewed: September 21, 2026 | Information verified from court records and official settlement documents.

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