Kari Lou Frank


8550 Mayland Drive
Suite 100
Richmond, VA 23294
O: 804 819 1770
D: 804 253 9472

Kari Lou is an Officer in PennStuart’s Richmond, Virginia office and is a member of the firm’s Workers’ Compensation practice group.  She also serves on the firm’s Management Committee.  She has represented employers and insurance carriers in thousands of workers’ compensation claims over the past 18 years.  Kari Lou works to meet the needs of each client by addressing and resolving issues before litigation becomes necessary, but preparing her clients for litigation when appropriate.

In addition to handling workers’ compensation claims, Kari Lou provides advice to employers on workplace safety, including training, compliance, and investigations.  She also represents and advises clients on compliance issues under Medicare Secondary Payer law and Mandatory Insurer Reporting regulations. Kari Lou strives to provide excellent and efficient representation, a personal connection, and a tailored plan for every case. This comprehensive approach values the relationships of the parties and finding creative solutions to complex problems.

Kari Lou is a frequent speaker on employment and workers’ compensation issues throughout Virginia and has presented at conferences and seminars on a state and national level.  Kari Lou also provides employer-specific training, and is available to provide customized training programs and safety audits for businesses in Virginia.

Kari Lou has lived in Virginia for almost 30 years and is proud to call Richmond her home.  She enjoys spending time with her family, exploring museums, hiking, and is a big fan of a three-day weekend. Prior to joining PennStuart, Kari Lou worked for NASA Langley Research Center, where she was a graduate student researcher and content developer for several of NASA’s award winning educational programs.


  • Frank, K.L. and Musgrove, A.L. (2005). The Medicare Secondary Payer Act: How Does It Affect Your Workers’ Compensation Settlement? Part II. The Journal of Civil Litigation, Vol. XVII, No.2.
  • Vieth, P. (2010). Law Firm Not Required To Indemnify Carrier for Medicare Shortfall. Lawyer’s Weekly, November 2, 2010.  Featuring analysis by Kari Lou Frank.
  • Frank, K.L. (2012). Navigating the Ever-Changing Waters of the Medicare Secondary Payer Act: Recent Cases, Trends, and Considerations for the Civil Litigator. The Journal of Civil Litigation, Vol. XXIV, No.1.