Insurance carriers are increasingly using surveillance in workers’ compensation cases to verify claims, especially as warmer weather approaches. Surveillance is a tool used to monitor whether a claimant’s actions match the reported limitations due to an injury, and it becomes especially relevant when outdoor activities increase in the spring and summer months.
Why Do Insurance Carriers Use Surveillance?
Surveillance is typically used to:
- Verify the extent of the injury: Carriers want to confirm that an individual’s reported limitations align with their actions.
- Monitor recovery progress: If a claimant is engaging in activities beyond their restrictions, it may indicate they’ve recovered more than they’ve reported.
- Detect fraud: Fraudulent claims, where an individual exaggerates or fakes an injury, are a serious concern.
Why Is Surveillance More Common in Spring and Summer?
As temperatures rise, people are more likely to engage in outdoor activities, making them more visible to surveillance. Some may also be recovering from injuries and returning to physical activity, which can be monitored more easily.
How to Protect Yourself
To avoid jeopardizing your case, keep the following in mind:
- Stick to your restrictions: Follow your doctor’s advice and avoid activities that contradict your claim.
- Be careful with social media: Posts showing physical activity could undermine your case.
- Keep your doctor updated: Report any changes in your condition honestly.
- Consult an attorney: If you’re concerned about surveillance, an attorney can help protect your rights.
What Happens if Surveillance Contradicts Your Claim?
If surveillance footage shows you engaging in activities that conflict with your claim, it may lead to a reduction or denial of benefits, or even fraud charges in extreme cases.
Final Thoughts
Surveillance is an important tool for insurance carriers, but honesty and transparency are key to protecting your workers’ compensation claim. If you’re unsure about how to proceed, reach out to Stark Law Group to ensure your rights are safeguarded.