Like a good business owner, you purchase the required workers compensation insurance to protect your employees from the worst case scenarios. Even after protecting your employees, one or two may take advantage of your business. While it may seem like such a harsh act, workers compensation fraud is much more common than you may realize. As a business owner, it is important that you are fully aware of this issue and ready to spot it immediately.
This week, our agency is here to explain the most common fraud claims. Keeping these in mind, you may be able to catch a fraud claim or two in the future!
1. Fake injury: Yes, some employees will go as far as faking an injury to get time off. Common “fake” injuries may include back and neck issues (for they are the hardest to disprove.)
2. Malingering: Even after healing, dishonest employees will drag out the recovery process for extra time away from work.
3. Inflated injury: An employee may claim to have a severe injury when in reality, it is minor.
4. Offsite injury: If an employee is hurt OUTSIDE of work, he or she may try to blame it on an onsite incident. It is important to investigate to figure this one out! Having no witnesses is one sign that it did not happen on company property.
5. Older injury: Employees may blame pain and disability from an older injury that may not have healed correctly.
If you are aware of these scams, you may be able to catch those who try to take advantage of you. If you do not catch such claims, your workers comp premium may end up suffering down the line. That is the last thing we want to happen to you! Please keep these five scams in mind the next time someone requests workers compensation. When in doubt, investigate!