Facts On Illegal Claims
False workers compensation claims can have a harmful effect on residential building companies. The numbers of fake claims vary from 1% to 20%, so it is not easy to obtain a solid picture of how widespread the phony claims are and what they cost business owners.
Sources Of Counterfeit Claims
The reasons for false claim stem from many dissimilar motives and circumstances.
Working Environment: A company needs to show that it appreciates its workers. When an organization fails to sustain a high level of morale, a discontent worker may go as far as creating an accident on the job to collect worker compensation. Businesses need not only to correct errors, but also they need to praise employees for well done work. Happy workers are less likely to file worker compensation claims.
Low Wages: Many owners want the most out of a worker at the least amount of money. Low salaries that are below the norm can create a workforce that cannot meet their personal obligations. Filing a phony workmen comp claim can allow an employee to get income and have more time to make undeclared money, by creating a home repair service, where the claimant add those funds with his workers comp.
Unsafe Working Conditions: Some companies do not have the proper safety measures in place. These builders routinely put their personnel in hazardous working conditions. An employee may file a false claim to get the time and money needed to find another job at an organization, which does not place him or her in a dangerous situation.
Scamming The Company: Often enough employees want to scam the company that they are working for. They are motivated by seeing their behavior as a harmless piece of larceny. When their scam includes filing a bogus worker comp claim, this could be costly for the owner. To avoid having these type of workers, check references thoroughly before you hire any individual.
Runners: Some workers compensation scam artists, who include phony medical clinics and shady lawyers, hire runners to recruit employees to file bogus claims. Stress to workers that getting involved in this type of scam can entail serious fines and jail time. Encourage staff members to report any approaches by runners to management.
Battling Bogus Claims
Require employees to inform management directly after about any accidents on the job.
Make conversation with your employees. Learn what they are like and determine what type of principles do each have, and if the situation arises would that employee file an invalid workers comp. claim.
Train your staff in good safety behavior. Emphasize to the staff that they should not be in limited access zones, unless required by job responsibilities.
Utilize monitors to identify and rectify hazardous conditions. Monitors should also reprimand any employee, who displays unsafe behavior on the job. Foremen are automatically responsible for worker safety.
The monitor must be a knowledgeable individual, who has been given reduced duties in order to implement safety precautions. Monitors should not be supervising more than six workers, according to OSHA. Do thorough background checks. Make sure that new hirers don?t have a criminal record, which involved fraudulent crimes.
Inform your staff about how fake workers compensation claims by others can endanger their jobs and increase their workloads.
Give dollar incentives to employees, who name a fellow employee that has filed a bogus workers comp claim.
Check with your insurance company to find out if they employ insurance investigators to validate claims. These investigators monitor the claimant?s behavior. If the ?injured? worker is performing hobbies that require an individual to be in fit physical condition or doing odd jobs that are strenuous, the investigator reports that to the insurance company. These types of reports usually result in the immediate termination of the claim.
Make sure that your insurance company utilizes medical staff and procedures to determine return to work status. If you feel one of your workers may be ready to return to work, notify the insurance company?s medical staff.
If you own a business, you are usually mandated by the state that you operate in to carry workers compensation insurance. Never do a project without worker?s compensation. Worker compensation protects you as well as your workers. Without worker compensation, you could lose your company and endanger your personal assets if an injury happens on the job.
Workers comp claims will inflate the rates for an employer. However, builders must be able to extend coverage when a worker has been genuinely hurt on the job.
Custom Contractors Insurance (CCI) is committed to saving construction professionals, money and time when dealing with Workers Compensation Claims. CCI?s exceptional customer service is demonstrated routinely when it comes to providing the highest Workers Compensation Insurance.
Custom Contract Insurance is committed to providing the best protection for home builders, contractors and employee through excellent worker compensation insurance Workers Compensation insurance. Our prices are excellent and well below the quotes of other insurance companies.
Source: http://treasuredarticles.com/latest-articles/thwart-fake-workers-compensation-clalims
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