Unraveling Deceit: How a Private Investigator Exposed Workers’ Compensation Fraud and Infidelity

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Effective Return to Work (RTW) Programs

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Companies of all sizes should have return-to-work (RTW) programs in place. When an injured employee makes a seamless transition back to full duty, everybody wins.

Ideally, RTW programs (sometimes called modified duty, light-duty, and transitional duty) are launched with extensive training in how to avoid injury in the first place. The best time to implement a program is before someone strains a back, takes a hard fall, or inhales toxic fumes.

Still, it’s never too late to put safety first.

The Goal OF RTW PROGRAMS

Workers who were hurt or made ill on the job need time to get up to speed. Good programs help employees ease back into full productivity without reinjury.

During recovery, light-duty jobs are modified to accommodate physical limitations.

It’s true that RTW programs require planning, collaboration, and training. They take time to develop. But, their success is a product of trial and error.

However, companies that design effective programs are never sorry that they did. Boosting productivity, morale and the bottom line always pays off.

Benefits for Employers

The biggest perk for employers is a reduction in Workers’ Compensation costs. According to the Bureau of Labor Statistics, payments to injured or sickened workers approached a whopping $40 billion in 2015.

Injured employees who return to work even part-time collect fewer benefits.

Also, Workers’ Compensation premiums are often the largest expense after payroll. Keeping accidents and injuries to a minimum keeps premiums in line.

Effective RTW programs also limit fraudulent and abusive claims. If your boss were genuinely interested in your recovery and accommodated you with light-duty, wouldn’t you be less inclined to scam him?

Along the same lines, private investigation is rarely called for when employees get back to work quickly.

Even a little productivity is better than none, and retaining good workers saves a fortune in hiring and training costs.

For all these reasons, RTW programs make good business sense.

Benefits for Employees

Continuing to earn income — even if wages are temporarily reduced for light-duty — keeps food on the table. There are also physical and psychological benefits.

Private investigation usually exposes injured workers who attempt to cheat the system, but it sometimes reveals just how isolating and depressing a serious injury can be.

Experts agree that returning to work, even on a limited basis, speeds recovery. Purpose, socialization, and a sense of one’s own value have a positive impact on health.

Making RTW Programs Effective

The hardest part is getting started, but employers who drag their feet could soon find themselves out of business.

It’s a collective effort. If you’re in safety, risk management, Workers’ Compensation or law, business owners and executives could use your help.

Here are some factors that distinguish truly effective programs:

Safety is ingrained in the workplace culture

What does that look like?

The best programs are a valued part of the company culture just like teamwork or work-life balance.

Time and financial resources are invested in safety. Training is thorough and unrushed. Safety is the first item on the agenda of every meeting.

Safety is a condition of employment, and there are consequences for violating rules. Workers are comfortable pointing out unsafe conditions or behavior.

Licenses and certifications are current. There are high standards for documenting injuries.

Not surprisingly, injury rates are low or nonexistent.

Everyone is on board

Management is 100% committed, and workers at all levels know that their superiors embrace safety as a core value.

It takes a natural leader with an engaging personality to make that happen.

Hazards are identified and addressed

New companies identify jobs, equipment, or workspaces with high potential for injury. Older companies review their history to pinpoint the most common injuries and find out how they occurred.

The RTW team brainstorms about ways to protect workers in those positions. Certain jobs may be modified. Safer equipment might be installed. Training may be reevaluated.

This is a great time to ask at-risk employees for suggestions.

Thorough job descriptions are published

Existing job descriptions include duties, physical requirements, and functional requirements such as standing or heavy lifting.

Planners have even thought of ways to convert existing jobs to transitional duty.

For instance, a kitchen steward with a back injury shouldn’t lift 50-pound bags of rice, but there are plenty of onions to chop and potatoes to peel. There may even be bigger fish to fry.

Jobs have also been cobbled together for alternate duty. Ideas include oiling machinery, taking inventory, labeling shelves, answering phones, ordering supplies, making copies, and monitoring security video.

These transitional jobs may be rough sketches, so to speak, but they’re down on paper as possibilities anyway. That shows employees that management will do its best to accommodate them.

RTW-minded managers also consider injured workers for vacant positions.

There’s a designated liaison

A compassionate, organized person who likes working with people acts as a liaison between injured workers, managers, and doctors. Someone who hopes to partner with a doctor is ideal. Third-party administrators (TPAs) can be that solution – there to keep in close contact with all parties and keep the program moving forward.

RTW policies are published and distributed

Company policy clearly defines expectations for both managers and workers. Everyone has a copy.

Workers know how and when to notify the company of injury. Contact numbers are provided.

Employees are familiar with the Family and Medical Leave Act (FMLA) and the Americans with Disabilities Act (ADA). Where workers’ compensation is concerned, they understand both their rights and their accountability.

Effective RTW programs are fair to everyone.

Evaluation metrics are in place

RTW coordinators track results – bigwigs in corner offices dig that stuff.

Executives or small-business owners comply with municipal, state and federal laws

Compliance is a lot more complicated than most suits or entrepreneurs know. The importance of working with an attorney can’t be overstated.

The High Cost of Complacency

The cost of keeping workers safe and active is a drop in the bucket compared to the cost of settlements, high turnover rates and lost productivity.

Employers simply can’t afford to be complacent.

Old School vs. New School

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REVISED: You can’t succeed as a private eye if you’re not constantly learning. Ditch some of your old school ways and find the new stuff!

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Why I Started a Private Investigations Company

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In 2015, I opened the doors to Gravitas Investigations, a Cincinnati-based private investigations firm.

But why did I start this company?

Sure, I’ve been a “private eye” for over 10 years and have solved some incredible cases, but that’s not why I do it.

The truth is that this company was started many years ago, based on the influence of two important people. Here’s that story: Read more

“Who Do You Work For?!” The 7 Types of Clients That Hire Private Investigators

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Have you ever been asked what you do for a living? I tell them I’m a private investigator (PI).

Kind of interesting, right? You don’t get to meet private investigators every day, let alone talk to them about what they do.

Inevitably, the next question asked is:

“Who hires you?”

Many people are curious about the world of private investigation, but aside from “educational” shows about private investigators (like Cheaters), I’m surprised at the lack of information available. Web search results show that all private investigator services are for cheating spouses or domestic cases.  Case in point:

There are a lot of false assumptions about the identity of private investigators and our clients.

In truth, private investigators offer many customers a mix of useful services, and hiring a private investigator can be worth the investment.

Here are seven types of people that commonly use our services:

Human Resource (HR) Professionals

As an HR pro, you strive to bring in quality employees to fill open positions in your company. But how can you be sure new employees will be a great fit?

By hiring a private investigator to conduct a background check.

Running a background check before you hire an employee (a pre-employment screening) helps to develop and evaluate a candidate’s profile. Any reputable private investigation agency can solve that problem.

A good screening will help you answer several questions, such as:

  • Does the candidate have a criminal record? Avoiding workplace violence is crucial and is one of the first items a pre-employment screen uncovers. According to the Bureau of Labor Statistics, of the 4,679 fatal workplace injuries in the United States in 2014, 403 (9%) were workplace homicides.[1] (You’ll also want to make sure your investigator complies with pre-employment regulations and laws – see Ban the Box for more info.)
  • Do their resumes check out? PIs screen candidates to ensure all the resume details are true. Lying on a resume is illegal in some states, not to mention it’s ethically wrong and can lead to serious harm to a company’s reputation if it becomes public.
  • Did they attend the college(s) they claim they did? The number one lie on resumes comes from “education padding,” where applicants embellish or fudge their education information. PIs can track down college records, attended years, and degrees a candidate received.
  • Are their past employment records accurate? PIs specialize in tracking down past employers. PIs can often uncover false employment claims or omit previous employment on a resume.
  • Is he/she a sex offender? Sexual harassment costs companies bundles of money. In 2011, over $52 million was doled out to victims of sexual harassment in the workplace.[2] That number doesn’t even count the number of women (and men) who don’t report the act, which could be as high as 1 in 3.[3] PIs can access nationwide data on sexual offenders so that you can avoid this problem altogether.

Safety Professionals

Preventing workplace injuries is an integral part of the job description for occupational, environmental, and industrial safety professionals.

The ability to administer the workers’ compensation program is lumped into many of those job descriptions. On top of that, it’s beneficial to a safety manager to be informed about how to save the company money. One way to do this is by eliminating fraudulent claims.

How do you work towards eliminating fraud?

You guessed it: hire a private investigator.

Private investigators can conduct investigative services like surveillance on fraudulent workers’ compensation claimants. Obtaining compromising video and a detailed report of a fraudulent claimant’s activities can magically make claims go away. Safety professionals who partner with a competent and well-versed surveillance expert can help deliver this result.

Insurance Claims Adjusters

Unfortunately, insurance fraud is a booming business in today’s world. Automobile accidents, arson, and healthcare fraud total approximately $40 – $80 billion annually, [4] costing the average U.S. family anywhere from $400-$700 per year.[5]

And on top of obtaining high-definition video footage of an insurance fraudster on surveillance, insurance companies hire the best private investigators to perform automobile accident reconstructions, interview claimants and witnesses and gather law enforcement records to determine who is at fault and who might be cheating the system.

The result equals money saved, and risk avoided.

Lawyer /Attorney

Lawyers are another type of private investigator client.

Private investigators can help lawyers dig into opposing parties’ backgrounds, interview potential witnesses, and aid in litigation.

Also, private investigators serve subpoenas and specialize in tracking down witnesses and plaintiffs who may not want to be found. Hiring a PI to do the legwork is a cost that’s worth the investment.

Caregiver or Homemaker

What if you need a babysitter to watch your child, but the next-door neighbor isn’t available?

Conducting a background check on a nanny, babysitter, or caregiver gives you peace of mind.

You’ll want to know if the person looking after your son or daughter is responsible enough to babysit your child. Private investigators can locate past and current criminal records and sexual offenses and verify your babysitter’s identity.

Business Owners

Business owners want to make sure their business interests are protected. They also want to determine if they’re getting into business with the right partners.

Hiring a private investigator to conduct a business background check on a client’s business partner, a.k.a a due diligence search, helps to evaluate the quality of a business partnership.

You’ll want to know what kind of credit the candidate and the business have, a list of their business assets, the business representative, any negative media associated with the business, and any other past issues.

Businesses also use private investigators to conduct security and integrity audits.

For example, a PI can do anything from investigating the security of a building or inspecting the quality of service at a restaurant. Private investigators can follow salespeople to learn if they’re regularly attending their sales meetings, stake out bars and clubs to ensure the staff isn’t stealing from the register, and attempt to (legally) “break into” data storage companies to test their safeguards.

Landlord (Property Owner)

Renting your property to bad tenants is a problem. Hiring an investigator helps mitigate the risk of renting to untrustworthy renters.

That’s your property that you’re allowing someone else to live in, so you have a vested interest in ensuring it’s not torn to pieces once the lease expires. Vetting your tenants upfront can help to ensure you collect your rent check every month and alleviate property damage concerns.

Private investigators can help by conducting a background check on your potential tenant to find criminal records, prior evictions, civil suits, and bad credit. Searches like this will paint a picture of your potential tenant on the front end. From there, you can decide to rent to them or hold off and wait for a better candidate to come along.

What Other Ways Can Private Investigators Serve You? 

You may wonder, “Who are the best private investigators near me?” Well, hiring private detective agencies can be mysterious and vague. So, leave a message in the comments below with your questions.

References:

[1] “What you should know about workplace violence – CNN.com.” 2014. 12 Jan. 2016 <http://www.cnn.com/2014/09/27/us/workplace-violence-questions-answers/>

[2] “Sexual harassment charge statistics – EEOC.” 2009. 13 Jan. 2016 <http://www.eeoc.gov/eeoc/statistics/enforcement/sexual_harassment.cfm>

[3] “1 In 3 Women Has Been Sexually Harassed At Work …” 2015. 13 Jan. 2016 <http://www.huffingtonpost.com/2015/02/19/1-in-3-women-sexually-harassed-work-cosmopolitan_n_6713814.html>

[4] “Fraud statistics – Coalition Against Insurance Fraud.” 2012. 13 Jan. 2016 <http://www.insurancefraud.org/statistics.htm>

[5] “FBI — Insurance Fraud.” 2015. 13 Jan. 2016 <https://www.fbi.gov/stats-services/publications/insurance-fraud>

Tax Fraud Is on the Rise, Take Extra Care to Avoid Phishing Scams

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The Internal Revenue Service renewed a consumer alert for e-mail schemes (phishing scams) after seeing an approximate 400 percent surge in phishing and malware incidents so far this tax season.

In a press release, the IRS reported:

The Internal Revenue Service renewed a consumer alert for e-mail schemes after seeing an approximate 400 percent surge in phishing and malware incidents so far this tax season.

The emails are designed to trick taxpayers into thinking these are official communications from the IRS or others in the tax industry, including tax software companies…E-mails can seek information related to refunds, filing status, confirming personal information, ordering transcripts and verifying PIN information.

When you click on any of those email links, you’re taken to a site that looks just like an official IRS page but is actually a fraud site asking for your personal information. Those sites might also contain malware. There were over a thousand of these incidents reported to the IRS in January, compared with just 254 that same time last year.

The IRS says it typically doesn’t email taxpayers asking for any personal information, so that’s the biggest red flag right there: simply getting an email from an entity claiming to be the IRS. And here are a few recent email scam subject lines:
  • Numerous variations about people’s tax refund
  • Update your filing details, which can include references to W-2.
  • Confirm your personal information.
  • Get my IP Pin.
  • Get my E-file Pin.
  • Order a transcript.
  • Complete your tax return information.

The IRS says variations of this scam are sent via text, too. It also helps to know the common characteristics of a phone call scam, because scammers will often follow up their calls with an email. They might be able to recite the last four of your Social Security number or even spoof the IRS’s toll-free number on your caller ID. If you think you’ve been sent a scam, forward it to phishing@irs.govand, obviously, don’t click on anything in the email. You can also call the IRS directly at 1.800.829.1040 to see if they are indeed trying to reach you.

Source: Tax Fraud Is on the Rise, Take Extra Care to Avoid Phishing Scams

How Working Out Helped Me Bust a Fraudulent Workers’ Comp Powerlifter

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“You wouldn’t mind if I… you know… videotaped us working out, would you?” I said to Lifter Guy, a man I suspected of fraud. “Just to look at my form and stuff?”

“No problem. You gonna put it on YouTube or something?” Lifter Guy responded.

“Yeah,” I smirked, “something like that.”

Little did Lifter Guy know that I was a Private Investigator (P.I.) working undercover to videotape him powerlifting while defrauding the workers’ compensation system.

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How To Beat A Surveillance Investigator At His (Or Her) Own Game

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First, if you want to beat surveillance, let’s assume a few things.

Let’s say you get hurt at work, become an “injured worker,” and file a workers’ compensation claim (WC). And let’s also say that after you’re off work for a few days, you start to enjoy not having to get up and go to work every morning. You get paid about two-thirds of your weekly paycheck for sitting on your behind. Occasionally, your employer makes you attend medical checkups and visits, but that’s it.

You like your new life.

What you don’t know is that your employer and insurance company has hired a surveillance investigator to discover exactly what you are doing with this newfound free time.

There are tons of red flags that signal to an employer that a workers’ compensation claimant is fraudulent. To find out if an employee is abusing the system, employers hire private investigators to conduct surveillance to follow up on those suspicions.

We stake out your house, dig through your public records, and scour your social media posts for clues. We want to catch you, but you don’t want to get caught. You’ve become accustomed to your lifestyle.

Have you ever asked yourself, “Is there a private investigator near me?”

Well, here’s how to get away with workers’ compensation fraud and not get caught by a private investigator.

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