Louisiana > Workers Comp
Adjusters Fraud Guide - Louisiana
| Adjusters Fraud Guide Form. This is a Louisiana form and can be used in Workers Comp . |
|
||||||
 Get this form for FREE as a print-only pdf |
|||||||
|
When you or the treating physician suspects the injured worker may be magnifying his symptoms or malingering, order surveillance to be conducted over several days. It may be wise to schedule the surveillance on the day of, or very near the date of a visit to his treating physician. Have the physician question the injured worker regarding his pain level and physical abilities. Surveillance conducted the same day may prove otherwise. Be sure to make contact with the employee and question him about his ability to do any of the activities you find through surveillance. Remember, as long as an employee is not doing any activity outside of the limitations set by his physician or does not deny any of the physical activity discovered by surveillance, he is not misrepresenting himself and may not be committing workers' compensation fraud. When fraud is discovered The first thing to remember when you feel you may have uncovered fraudulent activity, is not to terminate benefits. Workers' compensation benefits should only be terminated by a workers' compensation hearing officer when there is no release to return to work by a physician. You may be held arbitrary and capricious and assessed penalties for terminating benefits if a determination of fraud is not made by the hearing officer or by the criminal court system. To avoid such penalties, you must file a Disputed Claim for Compensation (Form LDOL-WC 1008) in the workers' compensation district office. When you suspect workers' compensation fraud, you must report the information to the Office of Workers' Compensation. The Fraud Claims Section will compile all of the evidence you may have in addition to obtaining additional documentation to support your claim of fraud for criminal prosecution. You will be contacted by a member of the fraud staff if additional documentation is necessary. Some of the documentation that may be requested would include: · · · · · · · · a cover letter outlining the allegations of misrepresentations made, the Employee's Certificate of Compliance (Form LDOL-WC 1025.EE) which should have been signed by the injured worker at the onset of his claim, copies of Employee Monthly Report of Earnings (Form LDOL-WC 1020) signed by the injured worker, copies of medical reports, a list of payments made to the injured workers as well as copies of canceled indemnity checks paid to the injured worker beginning with the period of fraudulent activity, surveillance video and corresponding investigator's reports, if applicable, copies of any depositions and/or recorded statements made by the injured worker and witnesses, and any other documentation or evidence that shows a willful misrepresentation made by the injured worker in order to obtain workers' compensation benefits. Fighting Workers' Compensation Fraud in Louisiana An Adjuster's Guide All services provided by the Office of Workers' Compensation are free of charge. We will help you recover loss funds caused by workers' compensation fraud. If you need assistance or have any questions about what you feel may be a fraudulent claim, contact the Fraud Claims Section at 225-342-7558, or by calling our Nation-Wide Toll Free Fraud Hotline at 1-800-201-3362. You may also email any questions you have to WCFraud@ldol.state.la.us. For more information, visit our website www.LAWORKS.net. 3 American LegalNet, Inc. www.USCourtForms.com An Adjuster's Guide to Fighting Workers' Compensation Fraud in Louisiana The numbers of workers' compensation claims are increasing daily. With the workload of the adjuster increasing, sometimes it's hard to manage a claim properly and see any of the warning signs that a claim has become, or has the potential to become fraudulent. Workers' Compensation fraud is the willful or intentional act of making a false statement or representation in order to obtain or defeat any benefit payment. Following is a brief outline that will help you maintain the integrity of workers' compensation claims and reduce fraud and abuse in Louisiana. Any questions you may have that are not covered here may be addressed to the Fraud Section by calling toll free 1800-201-3362, or by visiting our website www.LAWORKS.net. Copies of all forms mentioned in the text can be found by visiting the forms index of our website. The injury is reported Whenever an injured worker has received indemnity benefits for more than 30 days, he is required to submit reports of income at least quarterly to his insurer. The Employee's Monthly Report of Earnings (Form LDOL-WC 1020) and Employee's Quarterly Report of Earnings (Form LDOL-WC 1026) ask detailed questions regarding the injured workers' receipt of any type of income and employment activity ranging from unemployment insurance and social security benefits to volunteer work. These forms explain criminal and civil penalties for misrepresenting any information on the form. Again, the injured worker's benefits may be temporarily suspended for his failure to return these forms in a timely manner. At this time, the OWCA does not provide a standard form for reporting mileage for reimbursement by the insurer. We suggest that the insurer create a form that requires the injured worker to provide as much information as possible regarding each entry he submits for reimbursement. Each entry should include the complete address of the starting point and destination, the person or place visited, the purpose of the visit, and the number of miles traveled. The form should be signed by the injured worker and also include a warning against making any false statements or representations. Open lines of communication When you receive a report of injury, you should immediately contact the employer for details surrounding the accident. A detailed statement should be taken from the employer, the individual who the injury was reported to, and any witnesses to the accident. Be sure to obtain full names and addresses of any witnesses. Pay particular attention to dates, times, and details surrounding the incident. Your initial interview with the injured worker should be done in person if at all possible. Otherwise, you should conduct a recorded telephone interview. Ask the injured worker to explain the details leading up to and the cause of the accident. When a claim is fraudulent at the onset, details will tend to change, so ask these questions again throughout the interview. You should inquire into the injured worker's medical history, paying close attention to injuries of a
|
|||||||
