FRAUD RED FLAGS

While the majority of workers' compensation claims are legitimate, claims fraud is more common than you might think. The following is a list of red flags that may indicate a closer look at the claim is warranted.

Flag 1	Claimant is never home to answer the phone or is "sleeping and cannot be disturbed."
Flag 2	Injury coincides with layoffs or a plant closing.
Flag 3	Leads from co-workers suggest that your subject is active in sports or other activities.
Flag 4	Rehab reports indicate a healthy-looking claimant.
Flag 5	No organic basis for disability. All indications are that the subject has made a full recovery.
Flag 6	Claimant receives mail at a post office box and will not divulge the actual address of his/her residence.
Flag 7	Claimant has a history of self-employment and/or is a tradesman (e.g., carpenter or electrician) who might readily work for cash while feigning disability.
Flag 8	Claimant has moved out of state or country.
Flag 9	Excessive demands for compensation.
Flag 10	Disability beyond that normally associated with claimed injury.
Flag 11	Claimant has a history of malingering.
Flag 12	"Dueling Doctors." One says the claimant is disabled, the other says no.

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