Workers’ compensation fraud has been on the rise.

The poor U.S. economy, the mortgage meltdown and government cutbacks are all contributing factors. Even rising student debt is placing pressure on young people. Unfortunately, some see fraud as a solution to their challenges and consider it easy money, unaware of the potential consequences. There are plenty of examples of sophisticated cases that require careful and persistent digging.

Insurers write more than $1 trillion in insurance premiums annually according to the Federal Bureau of Investigation (FBI), providing significant opportunities for fraud to be perpetrated. The FBI estimates the total cost of non-health insurance-related fraud to be more than $40 billion per year, costing the average U.S. family an estimated $400 to $700 per year in increased premiums.

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