Among the biggest issues of theft that will cost a business money is that of worker’s compensation fraud. Sometimes an employee is faking an injury, while at other times an employee may be exaggerating an injury. It is also the case that the injury is real, but it simply occurred while away from work. An employee may also have been injured on the job, but because of the circumstances of the injury, he or she is not entitled to worker’s compensation. No matter the circumstances, if the claim is fraudulent, it will cost you money in the form of higher premiums. The following are three tips to protect your business from insurance fraud.
Learn to Identify Possible Fraudulent Claims
Although it can be difficult to determine if an employee is telling the truth about their injury, when you are first notified there are certain factors that fraudulent claims have in common. One common element for those who are hurt over the weekend is to claim injury on the first day of the work week. For most businesses, this will be a Monday. Other red flags for the business owner includes injuries with no witnesses, a delay in informing your company of the injury, and a failure to seek medical attention. These are only a few of the suspicious behaviors that are committed by someone who is attempting to commit fraud.
Take Employee Tips Seriously
Often it will be a co-worker that will report a case of worker’s compensation fraud in your company. No one wants to put in a hard day’s work knowing that their co-worker is taking it easy while collecting checks they are not entitled to. It may be your first thought that the person providing this information simply does not like the employee who claimed to be injured, but it is more than likely that there is some truth to the story you’re hearing. In this situation, it is best to contact a private investigation firm, such as ours. We can place the employee under worker’s compensation surveillance, and if they are making up their claim of injury or exaggerating their claim, we will likely be able to record them engaged in activities that are inconsistent with their injuries.
Surveillance of Employees
In some cases, you may suspect that there is a conspiracy to commit worker’s compensation fraud. This can be two or more employees, who are working together to get insurance money for an injury. This type of fraud can be difficult to prove without the help of a private investigator. We can send a detective to your company posing undercover as one of our employees to find out what people are talking about. If there are employees working together to commit fraud, we can find it.
The tips above are only a few things you can do to protect your business, but if you have suspicions about insurance fraud, you need to contact our private investigation firm. We have the knowledge and experience to know how to conduct an investigation into the potential insurance fraud of one or more employees, and also extend it to the area of suspicious claims of doctors regarding injuries. Call us today and tell us the circumstances of your suspicions of insurance fraud, and we can explain how we can help.