AOE/COE Investigations: Protecting Your Business in Workers’ Compensation Claims

January 25, 2024
​AOE/COE Investigations

AOE/COE Investigations: Protecting Your Business in Workers’ Compensation Claims 

Workers’ compensation claims can be complex and costly for businesses. Ensuring the validity of these claims is crucial, and that’s where AOE/COE investigations come in. AOE/COE stands for “Arising Out of Employment” and “Course of Employment.” In simpler terms, these investigations seek to establish whether an employee’s alleged injury truly occurred on the job and within the scope of their duties. 

Why Your Business Needs AOE/COE Investigations: 

  • Cost Savings: Timely and thorough investigations can prevent fraudulent or exaggerated claims, saving your business significant financial resources. 
  • Risk Mitigation: Early identification of suspicious claims allows for proactive measures to reduce potential liabilities and legal costs. 
  • Fairness and Transparency: AOE/COE investigations ensure fair treatment for both employees and employers by uncovering the true facts surrounding an injury claim. 

What Does an AOE/COE Investigation Entail? 

Frasco Investigative Services offers comprehensive AOE/COE investigations that cover a wide range of activities, including: 

  • Understanding initial allegations: This includes reviewing existing claims related documents, and discussion with the insurance claim handler and legal counsel. 
  • Scene investigations: Exploring the scene of the work-related accident to understand the mechanics of the injury, add context to the investigation, and identify opportunities to reduce future risk. 
  • Conducting background research: Utilizing available public record data sources, internet search engines and Social Media sites to gather information both before and after interviews to verify information and identify potential inconsistencies. 
  • Gathering witness statements: Obtaining written or recorded statements from the injured worker, supervisors, co-workers, and any other relevant parties. 
  • Medical record review: Analyzing medical records with permission before and after interviews to understand the nature and extent of the reported injury. 
  • Report preparation: Providing a detailed and objective report summarizing the investigation findings and offering recommendations. 

Subrogation and Fraud Investigations: 

If initial findings suggest potential subrogation (third-party involvement) or fraud, Frasco can conduct a more in-depth investigation to gather evidence and protect your interests. This may involve additional interviews, surveillance, and collaboration with legal counsel. 

Ensuring Professionalism and Compliance: 

Frasco understands the importance of conducting investigations ethically and in accordance with all applicable laws and regulations. Our team of experienced investigators is trained in best practices and committed to delivering accurate and reliable results. 

Investing in AOE/COE investigations is an investment in your business’s well-being. By protecting yourself from fraudulent or exaggerated claims, you can minimize financial risks, uphold fairness, and maintain a healthy work environment for your employees. 

Contact Frasco Investigative Services today to learn more about how we can help you navigate the complexities of workers’ compensation claims and protect your business. 

Additional Resources: 

  • For more information about AOE/COE investigations, visit our website or contact us directly. 
  • We also encourage you to explore the resources provided by the National Council on Compensation Insurance (NCCI) and your state’s Workers’ Compensation board. 

Remember, early intervention and a thorough investigation are key to effectively managing workers’ compensation claims and safeguarding your business. 


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