Use the Red Flags of Fraud Checklist (below) as a guideline when requesting an investigation from your insurance adjuster. Sometimes the claimant's behavior alone can warrant investigation. Here are some claimant behaviors that raise red flags:

• Injury takes longer to heal than medical guidelines specify.
• Injury is reported late, or reported to a lawyer or the state commission before being reported to the employer.
• Fails to attend weekly meetings. 
• Is uncooperative; won't try a transitional duty job. 
• Is not home during the workday when you phone.
• Only has a postal box, not a home address. 
• Misses doctor appointments.
• Performs seasonal activities, hobbies, or work.
• Has moved out of town or out of state.
• Disputes average weekly wage due to additional income. 
• Files for benefits in state other than principle location. 
• Disputes information supplied by the employer
• Submits repetitive medical reports indicating continuing, constant pain with conservative medical treatment.
• Refuses to cooperate in claim investigation. 
• Has unstable work history. 
• The insurance company wants to settle the claim for "big money."
• The word "disproportionate" is used in medical reports.
• Positive "Waddell Tests" or "facial grimacing" are mentioned in reports.
• Things just do not add up. 

Reach out and communicate be the first to learn of a problem, and the first to propose a solution instead of a lawyer. 

E-Verify compares the information an employee provides against millions of government records and generally provides results in three to five seconds. Learn more. 

If communication between the employee, employer, and physician is in place, it is much more likely the employee will return to work. Read.

The book guides the user through each aspect of a workers' compensation program, to learn, step-by-step about a variety of techniques that show organizations exactly how to reduce workers comp costs.