You fought for two years after a box truck ran a red light in Sunset Park and T-boned your car, shattering your femur. Three surgeries and a total hip replacement later, your lawyer finally calls with the news you've been waiting for: the insurance company will pay $1.5 million. Then comes the part nobody warned you about. Medicare, Medicaid, and ERISA liens in New York personal injury settlements can claim a huge slice of that money before a single dollar reaches your bank a