Most People Won't Learn About Insurance Fraud Investigators Until It's Too Late

According to the Coalition Against Insurance Fraud, insurance fraud costs Americans 80 billion dollars a year. The perpetrators of this kind of fraud aren't usually hardened criminals with reset noses and a constant sneer - usually, these crimes are committed by smart people who think of fraud as a way to make a bunch of money without working for it. But awareness can stop them dead in their tracks. Read along and learn some of the main types of insurance fraud, what you can do to prevent it, and where to go for help.

Workers Compensation Fraud

Legitimate workers compensation is a godsend to so many hard-working people who have a run of bad luck. But workers comp fraud comes in a variety of forms, and it's tough for a business owner to have his eyes open for all of them. But when a worker:

Refuses to disclose a nagging injury he had before signing on,Claims he got an injury on the clock when he got it after hours,Fakes or exaggerates an injury,Collects benefits from more than one employer for a legitimate injury, orWorks one place while getting workers comp from another employer

They aren't just skimming a little bit off the top. They're committing a crime. As a preventative measure, companies might refer injured workers to clinics they trust to report honest information. But once they suspect there's fraud in place, a private investigator can conduct interviews, do surveillance, and run background checks on their medical history and claim history.

Automotive Fraud

Investigation for this kind of fraud isn't easy to track, and it's distressingly common. When a staged rear-ender happens, or a legitimate accident is exaggerated, a claimant can collect a sizable amount on their auto insurance policy. The cons don't stop with phony car thefts and falsified applications - there are even recorded incidents of scammers getting insurance on cars that never existed in the first place!

But there are also countless unique, external factors that can create a legitimate accident. Whether it's the weather, the condition of the roads, or the speed of the vehicles involved, they can all make an impact on the damage the cars involved. Those differences can be subtle, but make no mistake - they do exist. A single missing detail can unravel a tangle of lies and help everyone involved determine who, if anyone, is liable for an accident.

Medicare Fraud

There are two major kinds of Medicare fraud. The first is called member fraud, and happens when a policy holder withholds vital information from their provider. The second is much more common - it's called provider fraud. You can protect yourself by staying away from:

Telemarketers and door to door salesmen.Companies that waive co-payments and don't check your ability to pay.Salesmen that aggressively sell you on stuff you don't need.Strange information and rumors about "secret" changes to the Medicare program.Anybody that asks for access to your Medicare card. For any reason.

If you run into any of these, it's a good sign something's up. If you suspect something's gone wrong, get a PI. They'll usually look into your Medicare Summary Notice and check it for irregularities.

We're insurance fraud investigators that work with honesty, integrity, and an open mind - and we try to benefit our client whether he's a wealthy employer or a regular guy that's down on his luck. If you're worried that you or someone you know might be a victim, visit our website at http://www.privateinvestigatorservices.org/, and within minutes, you can schedule a personal consultation that addresses your unique situation.

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The True Benefits Of Having Legal Protection Insurance

Getting legal protection insurance is something that has adopted an upward trend in the recent years. It is aiming to cover their clients up against the costs related to any type of legal action that you have, or are, presenting to another party. When you talk about such an insurance scheme that will cover for you, you will need to make some arrangements that need to be implemented in time for the legal issue that is occurring, be it before or after the event has taken place. People usually look for protection when they worry they will face pressure from the opposing party that are out to put a claim on the money that is not even theirs in the first place. This is why companies are looking out for the interests of a consumer by selling their own legal protection insurance.

Companies that are providing such protection insurance are mainly made with the intention of making sure that their clients get the protection they deserve and need and that they are not exploited by opposing parties, in any one way. When the matter of protection insurance is at hand, an insurance organization will consist of a group of professionals who will be willing to work around the clock to make sure they provide their clients with the best possible insurance ever, which includes any type of insurance facility that is, with accordance of the country's law of course. These groups of specialized individuals will try their best to handle any number of legal issues that come their way, and when everything is properly dealt with, their client's monetary stance is protected throughout and even until the end.

This protection insurance will also deal with the afflicted and the people who have already lost their money and their property against the costs of such a procedure, and the risks seem to be pushing people more and more towards the losing end of the legal spectrum. Getting yourself such insurance and legal protection will ensure that you are capable of acquiring your claim and put the law into effect whenever you need to, without taking up the risk of the high costs that are associated in case you lose a case in court.

These policies and regulations are a very cost-effective way to protect yourself, especially in regards to getting legal charges that are being, or will be, implemented against you. Coverage in this nature involves any expenses that are made by your lawyer or law firm that represented you in the legal matter.

Protection insurance is earning itself a great reputation in between people and corporations alike. A level of commitment has been shown throughout by the teams that are working with you to get you the protection and legal representation you deserve. This will only be the case, however, if you have a high-quality team that is ready to work with you to protect your rights and interests. Without using protection and insurance, you might as well lose any hope that you may or may not have.

To learn even more about legal protection insurance then head over to our site where you will find a frequently asked questions section to help you.

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Tactics Used by Disability Insurance Companies Against Claimants to Deny Claims

To protect their businesses and their shareholders, disability insurance companies have made it hard for the average person to file a claim and obtain the benefits that they signed up to receive. When a person successful files for benefits on a disability insurance policy, it is long-term and very expensive to the companies.

Because of the laws governing disability insurance policies were written, there are no penalties in place when companies deny or delay claims. If you have to fight for your disability benefits and it takes a year, during which time you lose your home and life savings, there is no punishment or penalty to the disability insurance company. If you win in a court case, you will receive what they were supposed to pay you in the first place. The only thing that the insurance company loses is the time of their in-house law firm, while people who are sick or injured can lose much more. That is why it is important to know as much as possible about disability insurance, the process of filing a claim and the process of fighting for a claim to protect yourself.

Insurance companies employ many medical professionals to investigate claims. They have staffs of nurses and doctors who do nothing but read medical records and review diagnostic tests all day long to build cases against claimants. There are many instances that we have seen where the medical reviewer only sees a small part of the person's medical file - important documents that clearly verify a serious illness are left out. Is this deliberate or just poor record management? It is hard to know - but the bottom line is that disability insurance claimants have to fight to make sure that their complete medical records have been examined.

Insurance companies often use in-house medical staffers to contact treating physicians, review claims and write letters that are not accurate to help build cases against claimants. A typical scenario: the medical staffer calls the doctor's office, speaks about the claimant, and then the insurance company staffer sends a letter to the doctor's office confirming the conversation. The problem is, the letter is not entirely accurate and does not reflect the conversation that took place. Some facts are twisted, others are left out entirely. The critical part is this: the letter will contain a statement that says "unless we hear back from you by (a certain date), you accept the statements in the letter as fact."

Doctors, office managers and their own staffers are busy, and responding to this letter is not their top priority. When no one responds, or when the response comes after the date, the insurance company uses that as an agreement with the contents of the letter, even if the letter is totally inaccurate and contradicts every piece of information in the patient's medical record.

Today it is inexpensive for insurance companies to use video surveillance to monitor claimant activities. If you have filed a claim and a van or truck shows up on your block that does not seem to have any identifying marks or workers taking out equipment or making a delivery, it is entirely possible that surveillance is taking place. If you have a disability like fibromyalgia, where some days you cannot get out of bed and other days you feel almost normal, the videotape surveillance will only show you on a good day. This can create a difficult situation. If however your medical records reflect the unpredictable nature of your illness, you have a better chance at fighting the challenge to your disability insurance claim.

Frankel & Newfield's knowledge of rapidly changing laws in the field of disability insurance and our efficient and cost-effective approach to resolving matters at any stage is of great value to our clients. The insurance companies and their lawyers know us and they know our reputation for aggressive representation. Call our offices to speak with a partner about your situation at 1-877-LTD-CLAIM (1-877-583-2524).

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