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injury is not an obvious one; such as a lower back (lumbar) injury, anxiety or stress, carpal tunnel, etc. Luckily. you have Workers Compensation Insurance that will handle processing all of the paperwork and take care of costs. Additionally, the insurance adjuster or examiner will look for any red flags regarding the claim. If any red flags are hoisted, it is quite possible that a private investigator will be hired to conduct a scene investigation, take statements from the claimant and witnesses, and, in most cases, perform surveillance on the claimant. These investigations may result in the discovery of insurance fraud or just a denied claim. Either way, the red flags that were hosted by the adjuster/examiner resulted in your company not incurring a claim on your record that may result in an increase in premiums. What can you do as an employer to identify these "red flags" that the insurance adjuster or examiner may have either overlooked or did not have access to? Since you are the employer and have some type of relationship with your employees, whether it's someone whom you work closely with or someone you barely know, you have access to knowledge that the insurance adjuster/examiner will not. You, your managers, and/or the human resources department are the eyes and ears of your business. While the adjuster or examiner is the expert in determining if any red flags exist, he or she does not have access into your employees' actions before, during, and after the claim was filed. So what are these "red flags" that you or your management team should be looking for?
Are You Seeing Red Flags in your Claims Management system?
Red Flags of a Worker's Compensation Claim: The employee's actions prior to the claim. Did his or her attitude and/or work performance change? Change in attendance/punctuality? Major change in home or life circumstances? Change in financial situation? Prior claims? New employee? Health insurance? Any of these circumstances or changes are red flags, especially if a combination of these exist. *The employee's actions during the claim. Did the employee report the injury immediately or was there a delay? If it was delayed, what were the circumstances? A delay in reporting the injury could be a red flag. Sometimes an employee will sustain an injury at home during the weekend and report the injury when they return to work. This in combination with no health insurance, certain red flag. This is the time to keep an open ear. Co-workers of the employee often converse about what their comrade may be doing while they're off work. They may be going to a gym, an event, moving, working somewhere else, etc. Whatever the case may be, if it is out of the realm of what the employee should be doing, it is an obvious red flag. Be aware of how long the employee is claiming injury. Has the employee been off of work for more than two weeks without a "light-duty" release? If no red flags have been raised up to this point, this may be the time to do so. Usually, a less-than-obvious injury can be remedied in about two weeks, depending on accessibility of doctors in your area and the possibility of surgery. If the employee has surgery expects them to be out for up to two months. Anything more than two months, red flag. Furthermore, make sure you keep an eye on any social networking sites, especially Facebook. Many times the employee will post information and/or photographs that indicate that their actions are contrary to their injury or restrictions.
So you have identified a red flag or multiple red flags and contacted the Worker's Compensation Insurance adjudicator. What happens next? You will most likely hire a Private Investigator who will conduct an investigation. If the PI conducts a scene investigation and take statements, you or your management team will be contacted by them. What should you expect? The investigator will take a statement (most likely recorded) from the claimant at the place of employment (if they have returned). This usually takes between 30 minutes up to 2 hours, depending on how complex the injury or case is. The investigator will also take statements from witnesses and supervisors. These usually take between 10 minutes, up to an hour. The investigator may also inspect the scene of the incident and take photographs. Expect the Private Investigator to be present for an hour or two. Please remember, they are there as a third party. The results of the investigation have no bearing on their bottom line or performance status.
If the employee is off of work or on light duty, a surveillance investigation may be in order
If the employee is off of work or on light duty, a surveillance investigation may be in order. You as a business owner or manager will probably not be aware of when the surveillance takes place; however, it is imperative that you keep the adjuster/examiner apprised of any circumstances or developments regarding the employee. For example:Canada Day Weekend is approaching and an employee states that he/she is going out to the lake with the injured worker. You might want to contact the adjudicator. Any information such as this will help your Private Investigator to determine a different start time than normal, what equipment/clothing to bring, scout events, etc. Surveillance is usually conducted in eight hour blocks; therefore, anything that may happen during the other 16 hours will not be documented. The eight hour blocks are not finite. If the employee is out and about, the investigator will usually stay on them as long as they are active. A surveillance investigation will usually be performed for two to four days and more depending upon the initial results. Video documentation of the employee is obtained and taken into evidence.
What can you expect after the investigation is completed? Some investigations go on for months and maybe even years. If your employee remains off of work, surveillance may be conducted periodically throughout, depending upon the latest video results. The more video that is taken into evidence the stronger the potential Worker's Compensation Insurance Fraud case will be. A strong case may even be referred to the legal department for legal action under the Workplace Safety and Insurance Board Act.. According to the National Insurance Crime Bureau, Workers Compensation Insurance Fraud costs insurers over 7 billion dollars a year. As an employer, you should be alarmed by this number. This costs businesses and taxpayers tons of money from paying an ever-increasing insurance premium to paying for more regulations. Employers be aware! Report any and all red flags to the wsib and don't be afraid to hire your own investigator. Contact Eaglez Investigations to see how we can help you in a cost-effective manner.
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Attaining a celebrity status is something that everyone wishes to have. But with the glamour and attention that you gain, you also gain the threat to your privacy. You have fans, audience, and media who may at times make your life really uncomfortable whenever you make a public appearance.
You cannot sit back hidden in your house leaving all your important tasks because of which you have become famous and also you cannot ignore your personal lifestyle. This is the reason why celebrities may fall in need of VIP securities for your security and comfort.
Now, how do these services actually work? Here are some of the ways how they can help you.
Help Provided By The VIP Securities
When you hire a VIP security, you can be sure to get a number of services for you. Some of them can be:
· Guiding you to a public function with proper security and comfort,
· Being your bodyguard while you are traveling or you are outside of your comfortable nest,
· Managing crowd around you when you make a public appearance.
Why Should You Hire Investigators?
It is quite understood that when fame touches you, having a security becomes your priority. But apart from this, you may also be in need of some other services such as the investigation services in Canada. You can select a proper service provider such as OEIS to investigate a number of things that can help you in your work and career ahead.
Some of the important places where you may require the investigation services are:
· Asset searches,
· Litigation support,
· Bankruptcy inquiries,
· Business assessment,
· Private investigation of competitors,
· Undercover operations and many more.
How To Get The Right Service Provider?
When you know what you need, it is important to know which one you need. It is very much crucial to get in touch with the right service provider so that you can get the right services accomplished. Some of the steps that you can follow to check out and hire the right service provider are:
· Search for the best private investigation services in Canada online. Go through the various websites of different service providers and have a check at the services that they are offering.
· After you have checked through the services, try to get the list of clients they have worked with. You can also try to read some of the reviews that you may get in the local listing of Ontario online. This will help you to understand the recognition and reputation of the company in a perfect way.
· The final step is to have a talk with the professionals. After talking to them, you can understand a number of things so that you can make your mind to take up the right decision.
· Always remember to compare a good number of service providers because holding on to the final one.
When it is about security, you need to have the best of all such as that of www.oeis.ca. Do not hurry, do your research work well and then hire the best options for you.