Deciding whether to accept an Arising Out of Employment (AOE) or Course of Employment (COE) Workers' Compensation claim may not always be a clear decision. Before initiating payments, you may need to launch an investigation of the claim. You need to be certain that the injured worker was an employee of the company at the time of the injury or illness. You also need to know if the injury or illness was related to the injured worker’s employment.
ICS Merrill, the investigative services division of EMSI, provides detailed information concerning all the facts and circumstances surrounding an employee’s initial claim. Our investigators interview claimants, witnesses and employers, and search records and policy files. Investigators fully explore all aspects of a claim and are familiar with laws and regulations in any given jurisdiction nationwide.
Our investigations are thorough and include details about accidents, occupational diseases, unexplained deaths, recreational injuries and other unusual circumstances. You may receive recorded statements, personnel records and a claimant’s signed medical release.
ICS Merrill investigators present all of the information you need to determine whether a claim is fraudulent or legitimate.