Tips to Help You Spot a Fake Workers Comp Claim

Signs that indicate a fraudulent workers compensation insurance claim.

As a business owner, you want nothing more than to trust your employees.  Unfortunately, there are some cases in which you simply cannot give them the benefit of the doubt.  For instance, when an employee claims that they have been injured on the job, you always need to investigate to substantiate the claim.  This is because filing a workers comp claim is time-consuming and can cause an increase in your business’s insurance costs.  To ensure that you are not wasting your time and money, watch out for these signs that indicate a fraudulent workers compensation insurance claim.

A Lack of Witnesses

While it’s possible that the employee was simply alone at the time of the incident, if the employee normally works around others, then you might want to investigate their story a little more closely if no one witnessed the accident.

Inconsistencies in the Employee’s Story

If your employee’s account of the story keeps changing or if their account does not fit the evidence gathered at the scene, then this is a clear sign of dishonesty.

The Involvement of a Problematic Employee

If the employee has expressed their dissatisfaction with the company or had performance or behavioral issues in the past, then they may have submitted a claim as a way of getting back at the company.  Make sure that you investigate the employee’s account very carefully for any inconsistencies.

An Unwillingness to Cooperate

Sustaining an injury at work is a scary experience, but if the employee is particularly unresponsive or difficult, then it’s possible that they are hiding something.  Refusing to undergo diagnostic tests or not responding to communication efforts should raise a red flag for you.

Watch out for these signs that indicate a fraudulent workers compensation insurance claim.  Do you have additional questions regarding your workers comp coverage needs?  If so, then contact the experts at The Reardon Agency.  Our dedicated team is eager to assist you with all your coverage needs today.

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