Fraud and Workers Compensation Insurance Rates in Orlando

The problem with dealing with accusations of workers’ compensation fraud is that it can be difficult to prove. Still, there are actions employers can take to reduce this risk, which is important, since claims of this nature can seriously affect workers compensation insurance rates in Orlando.

Employers should understand the nuances of the program as well as their own obligations to their employees. Any policy chosen should provide the necessary benefits related to the type of work performed and employers should clearly outline that suspicions of fraud will be investigated and legally pursued wherever and whenever warranted.

A workers comp insurance claim needs to be filed in a timely manner. Employers need to ensure that employees understand their responsibility to immediately report any accidents or injuries as soon as they occur. Getting an injury treated faster is key to helping the individual recover quickly and also likely minimize any associated costs.

Conduct a thorough investigation related to these claims 

Claims investigation should be done to ensure they’re being handled consistently within the law. Investigating the details can also help to reduce fraud, and could lead to procedural changes that may reduce the likelihood of that particular injury happening to someone else in the future.

Make sure that you have someone conduct interviews with any witnesses that can help to explain what happened. It might help if employers provide a way for employees to anonymously report suspicions of fraud. They may even want to consider using surveillance equipment at the worksite, along with having a drug testing policy that includes testing any time an accident occurs.

These are ways in which to improve overall safety and reduce all workplace injuries, and not only the fraudulent ones. Also, look for inconsistencies or other red flags, such as stories that contradict one another, injuries that are not medically consistent with other details of what happened, or incidents in which there are no witnesses to the accident occurring.

Another way employers can reduce their own concerns is to be thorough when screening new hires. Background checks can be useful to look for evidence of filing fraudulent workers comp insurance claims in the past. Even when claims are legitimate, it could mean this person does not follow safety guidelines. Employers utilizing this type of information can reduce costs and even lower workers compensation insurance rates in Orlando.