When Do Insurance Companies Start Surveillance
Surveillance often begins when claim details raise red flags—such as inconsistent reports, missed medical checks, major case milestones (IME, hearings), or return-to-work transitions. In practice, surveillance helps safeguard carriers against fraudulent claims, keeps premiums affordable, and prevents unwarranted payouts. At Frasco Investigative Services, we understand this pivotal role and, therefore, explain how surveillance supports fraud detection from start to finish.
Key Points to Consider:
- Opting for 8-hour surveillance blocks can significantly enhance the chances of capturing credible evidence.
- Longer surveillance blocks yield nearly 50% more useful evidence and a staggering nine times more footage compared to shorter 4-hour blocks.
- Consequently, extended hours afford investigators deeper insights into subjects’ activities and behaviors, making investigations more thorough and cost-effective.
- Additionally, combining surveillance with social media monitoring and comprehensive background checks can amplify the overall effectiveness of fraud prevention efforts.
Effectiveness of Extended Surveillance Blocks:
Extended 8-hour surveillance blocks offer a multitude of advantages in insurance investigations:
- Increased likelihood of capturing credible evidence.
- Nearly 50% more useful evidence obtained.
- Nine times more footage compared to shorter blocks.
- Deeper insights into subjects’ activities and behaviors.
- Enhanced cost-effectiveness of investigations.
Integrating Surveillance with Social Media and Background Checks
- Combining extended surveillance blocks with social media monitoring and in-depth background checks provides a holistic view of claimants’ activities and behaviors.
- As a result, this integrated approach enables comprehensive analysis and minimizes the risk of overlooking crucial details that could indicate fraudulent behavior.
Post-Investigation Interviews:
- Conducting post-investigation interviews after impactful evidence is obtained, can be extremely insightful in gaining a comprehensive understanding of a case.
- These interviews enable investigators to delve deeper into concerns, confirm findings, and identify any inconsistencies that may require further scrutiny.
- Moreover, thorough preparation, active listening, and strategic questioning remain essential for effective interviews.
After-Holiday Social Media Investigations:
- Social media investigations post-holidays can unveil critical information that may contradict insurance claims.
- For example, analyzing posts about celebrations, travel, or new purchases may expose discrepancies that warrant deeper review.
- Vigilantly monitoring social media activity after the holiday season can provide valuable insights that traditional investigation methods may overlook.
Conclusion
In conclusion, surveillance—when conducted meticulously and paired with social media monitoring, background checks, and well-timed interviews—serves as a powerful tool to prevent insurance fraud and abuse. By embracing extended blocks, integrating corroborating research, and following through with interviews, insurers can fortify defenses against fraudulent claims and uphold the integrity of the claims process.
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Frasco® Investigative Services delivers ethical and efficient solutions tailored to your needs. Have questions or want to discuss your investigative needs further? Contact one of our experienced experts today to find the answers you’re looking for.
Disclaimer: This blog post is for informational purposes only and should not be considered legal advice. Please consult your general counsel for specific legal guidance. Frasco investigators are licensed, and our operations comply with US industry, federal, state, and local laws.