Worried about workers’ comp investigators? Learn what private investigators look for, how they track your activities, and how to protect your claim. Call (314) 361-4300 for a free consultation!
If you’ve been injured on the job and filed a workers’ compensation claim, you may be surprised to learn that the insurance company could hire a private investigator (PI) to monitor you. While this may feel invasive, it’s a common tactic used by insurers to look for evidence that could reduce or deny your benefits.
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So, what exactly are these investigators looking for? And what should you do if you think you’re being watched? Let’s break it down.
Why Do Insurance Companies Hire Private Investigators?
Workers’ comp insurers are focused on minimizing payouts and avoiding fraud. If they suspect that a worker’s injury isn’t as serious as claimed, they may hire a PI to gather evidence that contradicts the injury claim.
While fraud does happen, many honest injured workers also end up being investigated—sometimes without even knowing it. Even innocent actions can be misinterpreted, so it’s crucial to understand what they’re looking for.
What Are Workers’ Comp Investigators Looking For?
Private investigators are trained to document inconsistencies between your claim and real-world activities. Here are the main things they look for:
1. Surveillance – Are You Doing More Than You Should?
PIs may follow you, record videos, or take photos while you’re out in public. They are watching to see if you are:
- Perform physical activities beyond your stated limitations (e.g., lifting heavy objects, jogging, climbing stairs, etc.).
- Going to work elsewhere despite claiming you’re unable to work.
- Engaging in recreational activities that could suggest you’re not as injured as you claim.
Example:
If you filed a claim for a serious back injury but are caught on video carrying grocery bags or playing basketball, the insurance company may use that footage to argue that you’re exaggerating your injury.
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2. Social Media Monitoring – Are You Posting Anything Suspicious?
Your social media activity can be a goldmine for insurance companies. PIs will monitor your:
- Facebook, Instagram, Twitter, and TikTok posts to see if they contradict your injury claim.
- Tagged photos or videos that show you participating in activities you shouldn’t be doing.
- Comments or check-ins that suggest you’re more active than your medical restrictions allow.
Example:
If you post a picture of yourself at a party, dancing, or lifting your child, the insurance company might argue that you’re not as injured as you say—even if the post was misleading or taken out of context.
3. Checking Your Employment Status – Are You Working Elsewhere?
Some workers continue working under the table while collecting workers’ comp benefits. Investigators may:
- Visit job sites or businesses to see if you are working.
- Interview past employers, co-workers, or even neighbors to verify your current work status.
Example:
If you receive workers’ comp benefits but secretly work a side job in construction, the insurance company may claim fraud and cut off your benefits.
4. Verifying Your Daily Routine – Are You Sticking to Medical Restrictions?
PIs often monitor claimants to see if they follow their doctor’s restrictions. They might:
- Observe how you get in and out of your car.
- Watch if you use assistive devices (crutches, braces, etc.) consistently.
- Document how often you leave the house and where you go.
Example:
If you claim that you can’t stand for more than 10 minutes, but an investigator records you walking around a shopping mall for an hour, they may argue that your injuries aren’t as severe as stated.
How Can You Protect Your Workers’ Comp Claim?
Since investigators look for any excuse to undermine your claim, follow these steps to protect yourself:
1. Follow Your Doctor’s Orders
- Always attend medical appointments and follow treatment plans.
- Stick to your physical restrictions—don’t push yourself beyond what your doctor has advised.
2. Be Mindful of Public Activities
- Avoid activities that contradict your claimed injuries (even if you feel okay at the moment).
- Be cautious in public spaces—you never know who’s watching.
3. Lock Down Your Social Media
- Set profiles to private, but remember: even private posts can be accessed in some cases.
- Think before you post—avoid sharing anything that could be taken out of context.
4. Consult With a Workers’ Comp Attorney
If you believe an investigator is watching you or if the insurance company is challenging your claim, an experienced Missouri workers’ compensation lawyer can help you:
- Defend against false accusations.
- Ensure your rights are protected.
- Maximize your benefits and prevent wrongful denial.
Speak With a St. Louis Workers Comp Attorney 24/7
While private investigators may seem intimidating, remember: if you are truly injured and following your doctor’s restrictions, you have nothing to hide. However, even honest claimants can be misrepresented by insurance companies looking to save money.
If you suspect surveillance or if your claim is being questioned, contact the Law Office of James M. Hoffmann. With over 30 years of experience and more than $100 million recovered for injured workers, we fight aggressively to protect your rights. Call (314) 361-4300 today for a free consultation!
30 YEARS EXPERIENCE
OVER $100 MILLION COLLECTED
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