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AOE / COE INQUIRIES
An AOE / COE inquiry can often enable an insurance carrier to make informed, prudent and timely decisions regarding the acceptance or denial of workers’ compensation claims. Witnesses are located, recorded and written statements are obtained; video, photographs and other available evidence of the scene is secured. Bi-lingual Investigators are available, reducing your cost for interpreter services.
In North Carolina and South Carolina you seldom hear surveillance companies offer AOE / COE (Arising Out of Employment or in the Course of Employment) investigative services to insurance companies, Third Party Administrators, and business owners during a workers compensation claim. One reason maybe that an AOE / COE inquiry is often labor intensive and may interfere with their cookie cutter surveillance services. Another reason maybe, that their field surveillance personnel do not have the training and work ethic to provide this very important part of a concise work comp investigation. Case-Closed Investigations Investigators are well trained and understand the importance of an AOE / COE inquiry.
Sometimes claims managers and adjusters mistakenly overlook the importance of making sure that an AOE / COE inquiry is assigned prior to or at the same time they assign a claim for investigation and surveillance. The proficiency of the Case-Closed team in interviewing and investigation as it relates to AOE / COE can provide beneficial information that allows you to determine if the claim is deniable or what other services may or may not be warranted in a particular claim.
North Carolina and South Carolina employers are very aware of the cost associated with rising workers' compensation and medical treatment for injured workers and how those cost effect the profitably in business and to the extent a business owner can offer pay raises and other benefits to other employees.
An AOE / COE inquiry is especially advised by Case-Closed when the claim is reported on a Monday morning, with no known witnesses in a secluded work area or when the claimant was on the road for company business or operating company equipment. A properly completed AOE / COE inquiry may determine that the alleged injury was actually caused during any one of the following:
• Bar room fight
• Family domestic violence
• Amateur sports participation
• Off Road ATV operation
• Single vehicle crash
• Out of state motor vehicle crash
• Gentlemen’s Club visits
The Case-Closed Investigations AOE / COE inquiry process is centered on determining the truth and facts surrounding an alleged “on the job” injury by the worker.
The business owner and claims professional should request Case-Closed Investigations to conduct an AOE / COE inquiry in the early stages of a workers compensation claim. A delay in the request for an AOE / COE inquiry may cause the loss of much of the following important information:
• Physical evidence at the location of the alleged injury
• Memories of witnesses
• Witnesses not normally present (Visitors, Salespersons, Truck Drivers; Delivery People, Temporary Workers, Etc.)
• Video from area stationary security cameras
• Local Newspaper and Television Reports
Time and the truth are of the essence. The quick response by investigators of Case-Closed Investigations to secure the initial injury report and any written documentation from the employer makes it possible to expand that information by conducting interviews and securing additional statements from the claimant and any possible witnesses before the claimant and others receive coaching from other parties that cost the business owner and insurance company unnecessary financial payments in a claim.
CALL TOLL FREE 1-888-431-6829; 24 HOURS A DAY / 7 DAYS A WEEK TO INITIATE PROMPT SERVICE
The AOE / COE Inquiry services provided by Case-Closed Investigations, Inc include but are not limited to:
• Written and Recorded Claimant Statement
• Written and Recorded Witness Statements
• Written and Recorded Supervisor Statements
• Review of Current Employment Records
• Prior Employment Reviews
• Alternative Income Sources
• Video and Photographs
• Prior Medical History with proper releases
• Investigation into hidden or unreported part-time jobs
When you have concerns or doubts about the legitimacy of an “on the job” injury do not delay and call Case-Closed Investigations toll free at 1-888-431-6829 immediately to begin the process of finding the truth.
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