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Workers Comp Investigator Tactics

Workers’ compensation claims, especially for permanent total disabilities, can be very costly. By hiring a PI, the insurance company aims to find evidence that might reduce or eliminate your claim.

When an employee files for a workers’ compensation claim, particularly one involving permanent total disability, insurance companies often go to great lengths to gather video and photo evidence that can discredit the claim.

If you are concerned about surveillance tactics used by insurance companies, the Law Office of James M. Hoffmann is here to help. Our experienced team can guide you through the workers’ compensation process and ensure you receive the benefits you deserve. Contact us today for a consultation.

Workers’ Comp Surveillance Tactics: How to Protect Yourself

Will Workers’ Compensation Hire a Private Investigator?

Yes, workers’ compensation insurance companies often hire private investigators (PIs) to surveil claimants. This is particularly common in cases involving significant claims, such as those for permanent total disability. The goal is to gather evidence that might discredit the claim or reduce the compensation owed. Here’s what you need to know:

Why Do Insurance Companies Hire Private Investigators?

  • Verify the Claim: Insurance companies want to ensure the claim’s legitimacy. They may hire a PI to gather evidence if they suspect fraud or exaggeration.
  • Cost Management: High-value claims, like those for permanent disabilities, can be costly for insurers. By hiring a PI, they aim to find evidence that can justify reducing or denying the claim.
  • Gather Evidence: PIs collect evidence that might show the claimant engaging in activities that contradict their reported injuries or disabilities.

What Methods Do Private Investigators Use?

  1. Surveillance:
    • Video and Photographic Evidence: PIs may follow the claimant to capture videos and photos of their daily activities.
    • Long-Term Monitoring: Surveillance can occur over extended periods to gather comprehensive evidence.
    • Advanced Equipment: PIs use high-resolution cameras, drones, and telephoto lenses to capture clear, detailed images.
  2. Social Media Monitoring:
    • Checking Posts: Investigators look at social media posts for any evidence of physical activities.
    • Analyzing Tags and Comments: They review photos and comments from friends and family that might contradict the claimant’s injury reports.
  3. Background Checks:
    • Previous Claims and Injuries: PIs check for a history of similar claims.
    • Employment Records: Verification of job history and any discrepancies in the claimant’s work history.
  4. Interviews:
    • Neighbors and Acquaintances: PIs may talk to people who know the claimant to gather information about their activities and lifestyle.
    • Co-workers and Employers: Interviews with colleagues to understand the claimant’s work habits and potential motives.

How to Protect Yourself

Claimants can protect themselves from surveillance tactics employed by insurance companies in several ways:

  1. Always be honest and consistent about the extent of your injuries and limitations. Any discrepancies between your claims and observed activities can be used against you.
  2. Documenting everything meticulously is also essential—keep detailed records of your medical treatments, daily activities, and any communications with the insurance company.
  3. Avoid discussing your case or posting about your activities on social media, as investigators often monitor these platforms.
  4. Consult an experienced workers’ compensation attorney who can guide and help you navigate potential surveillance.

By taking these steps, you can better protect your rights and ensure you receive the benefits you deserve.

How the Law Office of James M. Hoffmann Can Help

The Law Office of James M. Hoffmann can provide invaluable support to claimants navigating the complexities of workers’ compensation claims. With extensive experience in handling such cases, our firm understands the tactics used by insurance companies, including surveillance and private investigations aimed at discrediting your claim. We offer personalized legal advice to help you document your case effectively, maintain claim consistency, and protect your rights. Our team will guide you through the entire process, from filing your claim to dealing with disputes and ensuring compliance with Missouri workers’ compensation laws. By working with us, you can focus on your recovery while we handle the legal intricacies, striving to secure the full benefits and compensation you deserve.


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