Accidents can happen in the workplace. When an employee gets a work-related injury or illness, your business could be on the line. Workers’ compensation insurance protects you by reimbursing employees when accidents take place. But, employees, employers, and even health care providers can take advantage of the system by committing workers’ compensation fraud.

Workers’ comp fraud can lead to higher insurance premiums and penalties, so it’s important to know how to protect your business and avoid costly mistakes.

什么是工人的赔偿？

劳动者报酬如果员工受伤或在工作中患病，则是支付医疗费用和工资更换的保险。但是，由于员工违反了您的企业政策，因此无法自我破坏或发生疾病。

Employees might file a workers’ compensation claim if they fall off a ladder, suffer from hearing loss, or develop chronic back problems. If the employee is unable to work, workers’ compensation provides wage replacement while they are out. Benefits also cover payments for medical treatment.

大多数州要求您购买工人的赔偿保险，以偿还员工事故。根据您拥有多少员工以及您的业务在哪里，您的州可能不需要保险。但是，购买工人的赔偿保险可以保护您的业务免受诉讼。

Employees do not have to accept workers’ compensation insurance. An employee might not accept the insurance if they intend on suing your business.

工人的薪酬保费是基于您拥有多少员工，您的业务行业以及每个员工的工作职责的因素。

什么是工人的赔偿欺诈？

工人的骗局欺诈行为可以以多种不同的形式出现。工人的赔偿欺诈是雇主，雇员或提供者对财务受益的任何谎言或虚假陈述。百分之一of all workers’ compensation payments are fraudulent.

工人的补偿保险欺诈可能是当雇员对自己的伤害或疾病撒谎时，雇主错误地分类员工以避免支付工人赔偿保险的费用，或者当提供者夸大雇员的症状以获取更多钱时。

这里有一些类型的工伤欺诈。

1. Employees and workers’ compensation fraud

Employees can commit workers’ compensation fraud in a few different ways.

受伤或疾病

员工可能会发明伤病或疾病，他们不必从保险中获得休假和经济利益。

Example:员工弥补了听力损失，以获得工人的赔偿福利。

Exaggerated injury or illness

You might also have employees who exaggerate their illnesses or injuries. The employee might be suffering from something slight, but it does not prevent them from working.

Example:Your employee has a slightly sore arm that still functions. They inflate their injury and pretend that they can’t use their arm so they can go home and receive benefits.

Non work-related injury or illness

雇员还可以通过假装他们受伤从其他地方受伤来实施工人的赔偿欺诈。或者，员工可能会造成旧的伤害来浮出水面，他们说他们在工作中得到了。

Example:An employee has a skiing injury that messes up their back. They pretend they slipped on a wet floor at your business to receive workers’ compensation benefits.

2.雇主和工人的赔偿欺诈

在工人赔偿方面，员工并不是唯一工作系统的人。作为雇主，您需要谨慎处理工人的赔偿保险。

Lying about job safety

一些雇主对工作环境的安全性撒谎，以减少工人的薪酬保费。保费是基于工作职责，因此保险公司可以了解受伤或疾病的风险。

错误分类员工

Don’t try to reduce your workers’ compensation premium by not counting all your employees or by misclassifying employees.

You should not classify workers as independent contractors when they should really have an员工分类。错误分类可能会导致高罚款超出工人的赔偿欺诈罚款 - 您还需要缴纳税款。而且，您可能需要付款加班工资给工人。

Not purchasing workers’ comp

In most cases, you are required to purchase workers’ compensation insurance when you have employees. Some business owners think they can get away with not purchasing insurance.

3. Providers and workers’ compensation fraud

In some cases, a health care provider can try to abuse the system. A dishonest health care provider might exaggerate your employee’s injury or illness so they can charge money to your workers’ compensation insurance.

A dishonest health care provider might tell your employee they need more treatments. Or, they could even make up an injury or illness.

发现欺诈工人的补偿要求

判断员工是在撒谎或疾病，并不总是那么容易。您可以判断员工是否在撒谎的一些方法。

When an employee files a workers’ compensation claim, they need to provide an account of what happened. If their story changes or doesn’t add up, they might not be telling the truth.

如果员工受伤，他们将没有证人。您可以检查安全摄像机以找出工人所说的是真的。

Keep an eye out for red flags and keep in contact with injured employees. When employees begin work at your business, explain the procedure for filing workers’ compensation claims.

与工人的赔偿索赔作斗争

You don’t want to accuse someone of lying about their injury or illness. Arguing with an employee about their claim can land you in hot water, especially if the employee is telling the truth. So, what do you do if you suspect workers’ compensation abuse?

与工人的赔偿索赔作斗争can vary from state to state, but there are some basic steps you can take.

如果您怀疑工人的赔偿欺诈，则必须向您的州报告该人。在报告中包含尽可能多的信息，例如：

• The name and address of the person you are reporting
• Information about the incident and why you believe they are committing fraud
• 其他相关信息（例如，个人描述）

一旦您向州提交报告，通常您不需要做任何其他事情。您的州将调查报告，并确定该人是否犯了工人的赔偿欺诈。

工人的补偿欺诈处罚

If you, an employee, or a provider is convicted of workers’ comp fraud, there are penalties. Penalties include fines and jail time. Fines can range depending on the situation. Jail time can beup to one year or up to thirty yearsdepending on the crime.

在某些工人的赔偿欺诈案件中，被定罪的个人负责偿还他们在伪造工人赔偿索赔的同时收到的金额。

例如，一对犯下工人欺诈并收取774,000美元的夫妇被迫偿还所有钱，而不是入狱。

As a business owner, you can’t control what your employees do. But, you can control who you hire, what actions you take, and how you react to suspicions of workers’ compensation fraud.

需要一种简单，廉价的方式来运行工资单？vwin彩票开户爱国者软件的online payroll使用三步过程，因此运行工资单时可以节省时间和金钱。今天免费尝试！

This is not intended as legal advice; for more information, please点击这里。