Stryker Investigation Services Inc. One solution for all your investigative services since 2000
Stryker conducts insurance investigations on behalf of insurance carriers, third party administrators, law firms, municipalities and employers from the private sector. We concentrate our knowledge, skills and expertise on a specific type of products and investigative services that encompasses all aspects of Workers’ Compensation Investigations – Insurance Defense, fraud, deceptive practices, pre and post-litigation support. Consequently, our focused performance will bring our clients exceptional work product and unparalleled service results in all of our insurance investigations and related services.
We recognize fraud occurs in simple and complex schemes of intentional misrepresentation or concealment. Unlike errors or mistakes fraud is intentional and may be intentionally hidden. For this reason, we use creative strategies to determine the presence of deception which is intended to achieve financial or personal gain at the expense of a victim. Every investigation is unique, and there is no one-size-fits-all approach. We work directly with the examiners, attorneys and management to conduct the services around key or significant claim activity. Each insurance investigation is tailored towards the unique needs of a particular client and designed on a case-by-case basis to uncover the nature and extent of the deception and expose fraudulent and/or abusive claims.
Costs of Fraud
The insurance industry consists of more than 7,000 companies that collect over $1 trillion in premiums each year. The massive size of the industry contributes significantly to the cost of insurance fraud by providing more opportunities and bigger incentives for committing illegal activities. The total cost of insurance fraud (non-health insurance) is estimated to be more than $40 billion per year. That means Insurance Fraud costs the average U.S. family between $400 and $700 per year in the form of increased premiums. FBI Publications
Everyone should have immediate access to expert investigative resources to help with their insurance defense and mitigate claims and other suspect insurance transactions. Stryker provides on-demand investigative expertise and consultations. Our areas of focus for the insurance investigation program are Workers’ Compensation (Workers’ Comp) Liability AOE/COE, Surveillance, Subrogation investigations and (SIU) anti-fraud program. We have a clear understanding of what it takes to provide actionable information to expose exaggerated and patently false claims. Our sophisticated insurance investigations are a battle-tested defense designed to identify potentially fraudulent and/or abusive claims. Should surveillance be necessary or requested Stryker will work directly with the examiners and management to conduct the services around key or significant claim activity?
Stryker has developed a simple but very specific interview technique as such our questions are structured around specific categories that include:
- Character Evidence – California Code Evidence Code Chapter 1. Evidence Of Character, Habit, Or Custom.
- Pre-existing Evidence – HIPPA compliant medical release.
- Testimonial Evidence – Evid. Code § 701, 752, 754; Fed. Rules Evid. 604.
- Relevant Evidence – California Code Evidence.
- Real Evidence – Tangible objects, tools, equipment etc.
- Factual Evidence – Facts that can be entered as evidence.
- Demonstrative Evidence – Evidence that represents or illustrates the real thing such as photos, videos, diagrams, maps, charts
Workers’ compensation laws protect people who are injured on the job (injured worker). They are designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, eliminating the need for litigation. These laws also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses. Some laws also protect employers and fellow workers by limiting the amount an injured employee can recover from an employer and by eliminating the liability of co-workers in most accidents. State statutes establish this framework for most employment.