LordofHats wrote:
sebster wrote:There was a recent story here in Australia about police who had claimed PTSD. The insurer responsible for the payout denied the claim in many cases and forced the matter in to court. They did this even in instances where leave/retirement was mandated by the police force. They followed claimants around filming then, and took material from their facebook pages (even bypassing security settings to reach it).
So... yeah. I understand there will be a fair few claimants who are manipulating the system. But I think I'd rather accept some cases like that than treat genuine sufferers like how police claimants here have been treated.
Gotta say. The lengths that people will go to "prove" fraud scares me a hell of a lot more than fraud does.
What a lot of people don't understand about disability adjudication is that pure fraud is pretty rare. By that, I mean people that are wholly fabricating their symptoms or limitations, with an intent to receive benefits they know they aren't entitled to. It is more common in Workers Compensation or employer specific disability, because many claimants see themselves as having "earned" the payout, even if they don't have the full range of symptoms, but it's still a lot less than you think.
However, there is an awful lot of, well, exaggeration and
BS. Claimants will wildly overstate their symptoms, and dramatically underestimate what they can actually do. And why not? There's money on the line. This is one reason a good adjudicator will try to look at more than just medical records, and even when looking at medical evidence, try to get multiple sources.
When you do have fraud, it's shockingly easy to catch. Social Security has an investigation team that looks into possible fraud among claimants and beneficiaries, and the technique is simple: they go to the person's house, and ask them about an unrelated law enforcement matter. they just make small talk with the person and their neighbors, and compare it to their own statements. I've read reports from these investigators that will make you laugh out loud. People that claim they can't walk climbing steep stairs without a hitch, people that claim they can't stand other people talking with their neighbors about the game, and my favorite, a person that alleged illiteracy proudly displaying their recent Bachelors degree.