While the vast majority of workers comp claims are legitimate accidents from honest, hard-working employees eager to overcome their injury and get back to work. However, every so often an employee with ulterior, personal motives decides to beat the insurance claim system with frequent, sometimes suspicious workers compensation claims that can cost your business tons of time, resources, and substantial amounts of money. Though not always successful, here are 4 good ways at weeding out frequent claim filers.
Thoroughly Investigate Their Claims:
If one worker constantly files WC claims, track their claims more carefully. Document their account and all possible witnesses of the incident. Take photos of the scene, take action personally and don’t delegate this task to a lower-standing official. Also, determine any causation of said injury/incident.
Get a Medical Professional Involved:
If this claim is resulting in an injury, make sure a medical professional takes a look. Their own judgement on the seriousness and legitimacy of the said injury can make this case open and shut.
Talk to the Worker’s Closest Peers:
Talk to fellow employees that work on-site with the worker. They can give you a real understanding of this worker’s character, work ethic, and motives. Plus, workers may pick up on his/her personal life and any issues stemming from it that can influence whether or not they may fraudulently file a WC claim. These can be, but are not limited to, financial issues, domestic problems, serious health issues, or mental problems that can affect their work life.
Talk to the Employee 1 on 1:
Lastly, if no other avenue seems to be giving any leads, have a 1 on 1 discussion with your employee. They may open up about anything from their happiness at work to their personal problems, and even if their WC are legitimate.
While not all frequent claim filers are fraudulent, they are worth taking a close look. Use these steps to make sure your company is not being used for fake compensation, and visit our website at Metropolitan Risk if you have any other questions or concerns..
