What Does a Workers Comp Investigator in Garden City and Hauppauge, NY Do?

 Employers are mandated by their respective states to pay compensation to an employee who suffers injury or illness when trying to do their jobs. Companies have no qualms in providing workers' comp insurance coverage to fulfill their responsibilities. The compensation package is varied and designed to the type of role handled by the specific worker. It is interesting to know that apart from paying the medical expenses, the insurance carrier also pays a part of the lost wages and disability allowance for temporary and permanent disabilities.

Not all workers are truthful and may hide the truth to get the requisite insurance money even after the treatment is complete, or the compensation becomes a type of extra income. To uncover the truth, the employer may consider hiring a workers comp investigator in Garden City and Hauppauge, NY. The employer should not make such a move as an investigation into workers' compensation insurance can only be assigned by the insurance carrier or a third-party administrator.

The employer is relieved to find the reports based on facts discovered by the investigator. The insurance company may be compelled to stop the payments when the concerned worker is fit enough to join the company and continue with the assigned tasks. True, the work of an investigator is diverse, but trying to find the facts related to workers' compensation claims usually includes the following: -

· Background Check- Conducting a detailed check will enable the insurance company to obtain information about the worker who is attempting to escape from the investigator regularly. A thorough background check will reveal details about the injured/ill worker's criminal record. The history of using aliases and addresses and the history of incarceration will also come to light.

· Medical Canvas—The investigator will also check the medical canvas to find out if the specific worker is being treated outside the worker's compensation system. After obtaining facts about the worker being treated elsewhere, the investigator will review the related medical records to discover whether the worker is diagnosed with any non-industrial health conditions that will negate the worker's eligibility for compensation.

· Activity Check—The hired investigator may take the investigation process a step further and visit the worker's home to unearth more information. Speaking to the neighbors and others may help them understand the truth about the worker. Finding the so-called injured worker going out for long walks or physical activities is bound to raise suspicion about the nature of the injury.

· Surveillance—This part of the investigation is more in tune with detective work. The investigator may follow the worker closely. The worker's activity levels will be assessed, and photographs and videos will be provided as proof. Surveillance is usually the last resort as it is a risky probe activity and hugely expensive as well. The investigator often skips such an activity, especially when the other parts of the process yield results.

The insurance company will appoint an adjuster to review a customer's claim. The individual is free to hire the services of a private claims adjuster in Garden City and Hauppauge, NY, to represent the client legally during the claims hearing process.