ACTIVITY CHECKS INVESTIGATIONS
Activity checks are a cost-effective way to determine if further investigative efforts are needed. These checks serve as a "snapshot" of a claimant's activity at a point in time on a given day. Our investigators arrive early and if the claimant is active, remain in observance until activity ceases. Video surveillance and other Sub Rosa techniques are employed as appropriate.
In addition, investigators perform a neighborhood canvas to attempt to verify the claimant's day-to-day activities and patterns including evidence of a home business, home improvement project, or hobby that violates restricted behavior.
While an Activity Check may not result in concrete evidence of a claimant's fraudulent activities, it can provide an accurate indication of the claimant's living environment and activity level. This information is communicated to the Claims Examiner to decide the future course of investigative action.
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Gaylan Sweet of San Diego, California, who was a claims adjuster for Allstate Insurance set up a scheme in 2002 that included non-existent children who were killed in hit-and-run auto accidents at non-existent intersections by phantom drunk drivers. Sweet and two others (who posed as the parents of the non-existent children) pocketed $710,000 before being caught by Allstate.
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