Using Social Media to Catch Workers' Comp Fraud
Most employers have, at one time or another, encountered fraudulent or exaggerated workers’ compensation (WC) claims. For example, the Monday morning report showed an employee had an unwitnessed fall at work last week and hurt his knee. However, it’s well-known he’s an avid weekend soccer player and may have hurt his leg that way.
Traditionally, many employers have had to accept some of these frustrating claims. Thankfully, social media offers claims adjusters more tools, resources and potential evidence in fighting or mitigating these types of claims. Take the above example and suppose the claim can’t be denied. However, a YouTube video turns up showing the employee in the city soccer championship just weeks after the alleged injury.
A skilled adjuster or claims fraud investigator has a plethora of information to do their social media searches. Just think of how many people use Facebook, YouTube, Pinterest, Twitter and LinkedIn on a regular basis. Surprisingly, individuals tend to dismiss the idea that adjusters may find this material and continue to post damaging information. Many people are so engaged in social media they aren’t going to let a WC claim stop them from sharing destructive information, even if that same information could invalidate their WC claim.
In the insurance world, social media investigation is replacing traditional physical surveillance and producing better results with less costs. Some of the advantages are no risk of detection, affordability and efficiency.
Aside from their own investigative departments, many insurance carriers, TPAs and self-insureds are also looking to private investigative firms to do these comprehensive social media reviews. If you question the validity of one of your claims, I’d suggest engaging your adjuster to conduct a review with their investigative team, or if they don’t have a team in place, implore them to hire one of these firms. Keep in mind, one key piece of information found on Facebook may be the difference between a $500 claim and $50,000 claim!
For a deeper dive into social media and workers’ compensation fraud, contact us today.
- Using Social Media in Claims Investigations
- The Best Claims Management Under the Sun
- Sink or Swim With Social Media
- Fraud Defense Strategies Video
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