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Eliminating fraud completely will likely never happen in insurance, but the study found that 46% of employers reported a decline in workers' compensation claims after offering accident or short-term disability (STD) insurance. (Credit: designer491/Shutterstock) Eliminating fraud completely will likely never happen in insurance, but the study found that 46% of employers reported a decline in workers’ compensation claims after offering accident or short-term disability (STD) insurance. (Credit: designer491/Shutterstock)

Thanks to improvements in workplace safety measures and a spike in workplace technology, workers’ compensation insurance claims have been on a downward trend. However, illegitimate claims have been rising in the past few years — especially among certain workforce segments.

According to new research from The Guardian Life Insurance Company of America, workers in high deductible health plans (HDHPs) have a greater likelihood of reporting off-the-job injuries as workers’ compensation claims. Nearly one in five employers with an HDHP reported an increase in illegitimate workers’ compensation claims since 2017, almost three times as many as those without an HDHP.

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Denny Jacob

Denny Jacob is an associate editor for NU PropertyCasualty360. Contact him at [email protected]

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