SERVICES & DESCRIPTION
DEATH CLAIMS
Contestable Death
Accidental Death
Homicide / Suicide
Statements & Interviews
DISABILITY CLAIMS
Contestable Disability Claims
Approved & C.O.D. Claims
Social Security Claims
Activity Checks & Background Activity Checks
Claimant Statements & Interviews
BACKGROUND INVESTIGATIONS
Basic Background
Business Background
DOCUMENT RETRIEVAL
All types of documents or records
Official Reports
PUBLIC RECORDS & DATABASE SEARCHES NATIONWIDE
DMV Reports
Court Records
Background & Assets
Business Records & Searches
LOCATE SERVICES
Basic
Comprehensive
SURVEILLANCE
SPECIAL INVESTIGATIONS
DEATH
INVESTIGATIONS
SRS can accelerate the claim investigation process and get you the
necessary information to make an informed decision…fast. SRS
investigations gather the information you need and can be designed to
fit changing requirements as necessary. SRS can accelerate:
- Contestable & Non-Contestable investigation
- Accidental / Suicide / Homicide
- Investigation of cause and circumstances
- Death certificate / Coroner w/Autopsy report
- Past Health History / Signed Statements / Interviews
- Official reports / Public records / Document Retrieval
- DMV / Court / Financial / Property / Assets
- Background / Employment History
- Identify other life insurance coverage and health insurance
carriers
- Beneficiary involvement / Locates
- Employment history
CONTESTABLE DEATH CLAIMS
Involves investigation designed to develop information relative to the
insurability of the deceased at the time of effective date of
coverage. Arrange interviews and signed statements concerning health
history, medical providers and develop any omitted factors on
application prior to issuance or delivery of policy. Areas of
investigation include but not limited to: details of death as known to
informants, medical, financial, occupational habits, and any other
outside interests.
ACCIDENTAL DEATH CLAIMS
Designed to determine whether the death resulted from injuries
sustained in an accident, altercation, sickness, and/or whether death
occurred while in the act of committing a felony. Our team will secure
official reports, conduct interviews with those necessary, to get full
details of events. Media reports, statements of available witnesses –
when unable to obtain from the authorities, Coroner’s reports with
toxicology results are all a part of our investigation.
HOMICIDE / SUICIDE CLAIMS
Full in-depth investigation designed to answer those questions when a
report is not available to be released due to an ongoing
investigation. Involves interviewing the investigator to obtain
complete
details and contributing circumstances, such as:
- Events leading up to, during and after the incident. (Who, where,
how, what and when)
- Was insured aggressor? Any leads or suspects? Trial date? How did
incident start? Who started?
- Did insured have weapon? Who had weapon and what type of weapon?
- Was insured in the act of committing a felony? Were drugs
involved?
- Any suicide note?
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DISABILITY
INVESTIGATIONS
SRS will custom design field and telephone investigations that fit
your information requirements and budget objectives. SRS’s Disability
Investigation services include:
- Investigation of cause / C.O.D.
- Statement of claimant / employer
- Activities check / Claimant Interviews
- Background investigation
- SSA Earnings History / SSDI
- Medical / Hospital / Rx Records
- Telephonic Interviews
- Clinic Inspections
Disability claim reports may cover:
Continuance of Disability: Claimant interview, residential sources,
special information as requested —
for use on approved claims
Contestable Disability: Claimant interview, medical record retrieval,
employment records, and special information as requested — for use on
new claims
Disability Evaluation: Comprehensive appraisal of the claimant’s
current status including physical limitations, activities, current and
past medical treatment, employment history, educational background,
finances, rehabilitation prospects and domestic situation — for use on
extended disability claims
Specific Request Investigation: SRS can design the report to get
specific information you require
CONTESTABLE DISABILITY CLAIMS
Investigation to determine information about the insurability of the
policyholder at the time, not the effective date, of coverage. Making
announced and/or unannounced interviews of claimant to determine
activities, continuity of disability, progress, and delving into
circumstances surrounding claimed disability with emphasis on any
pre-existing or omitted factors on application for coverage. Areas of
investigation include but not limited to:, activities check, medical
history, financial history, occupational history, habits, outside
interests, and other disability coverage.
DISABILITY CLAIMS (Approved & C.O.D.)
Designed to develop information on the claimant's present activities,
including any recovery and progress of the claimant's condition.
SOCIAL SECURITY CLAIMS
Designed to retain information into the claimant’s earnings history.
Order the Social Security Medical File and one of our representatives
will personally copy the complete medical file and all pertinent
documents filed within the chart. Process could take up to 6 weeks for
file retrieval. Other forms of information available from the SSA:
Social Security Earnings DEQY (Covers Detailed FICA & Non-covered
FICA)
Social Security Disability (Date of Disability, Nature, Benefits
Effective & Monthly Benefit)
SSDI Verification / Retirement / SSI Payment Amount
SEQY (Summary of Earnings)
AACT (Payment History)
PWST (Payment worksheet providing monthly, by year, accounting of
benefits due & paid)
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STATEMENTS & INTERVIEWS
WANT TO DETERMINE THE FACTS SURROUNDING A PARTICULAR CLAIM
The initial statement of a claimant is often the most useful piece of
information in determining the compensability of a claim. It is a
vital first step in the investigation process. SRS’s investigative
team can help you determine the facts of a claim through comprehensive
interviews that focus on your claimant’s reported injury, accident,
date of loss, medical diagnosis and treatment information, medication,
follow-up treatment plans, employment and injury history, physical
restrictions, current activity level insight, home environment, and
marital/dependant status and income earnings for up to the past 20
years from the
Social Security administration.
Good interview techniques are not developed overnight—that’s why SRS’s
investigative representatives are trained in the techniques of
effective interviewing, obtaining information, establishing rapport
and recognizing verbal and non-verbal behavior. We know that
successful interviewing is very important. SRS’s qualified
investigators create the best possible environment to facilitate the
communication of the facts from the person(s) being interviewed. By
attentively listening to the interviewee and allowing him/her to give
an uninterrupted narrative, our investigators gather the facts
surrounding an event or incident and are able to accurately access the
information needed to process a claim.
TELEPHONE INVESTIGATIONS
SRS provides cost effective service, comprehensive information, and
fast turnaround time. SRS will custom design telephone investigations
to fit your information requirements and budget objectives. Some of
the telephone services SRS can accelerate include:
- Contestable death
- Accidental death
- Disability investigations
- Medical record retrieval
- Accident reports
- Investigating officer interviews
- Witness interviews
- Coroner/Medical Examiner findings
- Beneficiary location
Experienced claim investigators complete all telephone reports. Call
today and let SRS put you on the fast track to quality service in
every aspect of telephone investigations.
SRS offers you the choice of two types of interviews—a
Written/Telephonic Statement or a Field Interview. Written or
Telephonic Statements are conducted by our in-house investigative team
or field representative, and include an interview of the subject(s).
This interview includes a written or recorded statement covering the
nature and cause of injury/loss and all relevant issues pertaining to
the claim. Our Field Interview involves a personal face-to-face
interview with the subject. You receive a professional, detailed
report that includes the representative’s comments and signed
statement.
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ACTIVITY CHECKS
An activity check provides valuable information of the subject's
current lifestyle. Its purpose is to provide a synopsis of the
subject's physical and mental state, as well as information regarding
possible subsequent or current employment.
SRS’s Activity Check includes discreet inquiries that lend insight
into the claimant’s present level of physical capabilities,
activities, hobbies and possible employment status. Through this
investigative process, a description of the claimant’s residence,
neighborhood and surroundings is determined and additional relevant
information pertaining to the claimant is provided. We can help you
uncover important information and records from the past that may offer
further insight into your subject’s current activities.
Many cases are most effectively investigated by first initiating an
activity check. An activity or lifestyle check can provide valuable
information before considering surveillance or other forms of
investigation. Activity checks can be preformed in the field or via
telephone.
Our experienced investigators are experts in obtaining important
information from individuals with knowledge of the subject. Factual
evidence can often be developed from the information obtained from a
properly conducted activity check.
An activity check can be used to:
Perform either announced or unannounced activities check
Present level of physical capabilities, activities, and hobbies
Perform a neighborhood canvas to verify the claimant's day-to-day
activities and patterns
Determine whether to conduct surveillance
Verify witness and claimant statements
Determine employment, assets, and business activities
An economical way of verifying your subject’s address or identifying
his/her new residence. You may also use these searches to identify
neighbors and their phone numbers and conduct telephonic activity
checks or to get general information on your subject.
BACKGROUND ACTIVITIES INVESTIGATION
Clients involved with new claims or long-standing litigated files
typically request this service. An experienced SRS investigator will
personally visit a subject's neighborhood and discreetly interview
residential sources to develop background information regarding the
subject's activities, employment, income and health. We primarily
concentrate on developing information regarding the subject's current
employment status and/or pre-existing or subsequent injury
information, health history, patterns of arrivals and departures from
home, involvement in home remodeling and maintenance, and
participation in sports and/or memberships in social groups and clubs.
If required, or at the client's request, we will obtain a criminal
history record, MVR, workers compensation claim history, This is our
most comprehensive and detailed background investigation.
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BACKGROUND
INVESTIGATIONS
SRS can conduct simple investigations to reveal straightforward facts
into an individual's or company's background history and/or financial
situation or more complex investigations which can uncover criminal
records, DMV records, existence of financial assets and liens, other
residences, bank accounts, stock and bond ownership, and the like. We
will customize a search for you based on the nature of your inquiry
and insured’s claim needs. The depth of our search will vary depending
on your objective.
SRS Background searches are done on a NATIONWIDE database and can
include the following:
Activities Checks
Asset/Income Activities(Including employment and other business
activities)
Neighborhood Canvas
Identity Checks
Comprehensive Individual Reports
DMV (History, Records & Registration)
Social Security Verification (SSV)
Document/Records Retrieval
Locate: Basic & Comprehensive
Statements: Claimant / Beneficiary Interviews
Comprehensive Personal Profile Report*
*This is our standard Comprehensive Personal Profile Report that we
generate using multiple sources and merge the data removing
unnecessary information making it a more concise and comprehensive
profile report.
BASIC BACKGROUND INVESTIGATION
Provides information useful to determine the general character and
trustworthiness of an individual. This investigation will normally
ascertain the subject's true identity, residence address, business
ownership interests, employer or other income sources. In addition, a
thorough search of the subject's civil and criminal background history
may be undertaken within the region the subject currently resides or
in counties, states or countries of previous residence or travel. The
investigation may provide the subject's driving history and personal
financial profile including ownership interests such as real property
or motor vehicles and liabilities including bankruptcies, civil
judgments, notices of default or foreclosure, and state or federal tax
liens. A personal background investigation may be fundamental or
complex depending upon the subject individual and matters at issue.
BUSINESS BACKGROUND INVESTIGATION
Provides information useful to determine the structure and condition
of any business entity, be it a sole proprietorship or multinational
corporation. Working with minimal information, SRS will determine the
correct business name, size and type, ownership and key executives,
facility locations, holdings and interests, business activities and
practices; as well as civil litigation, criminal conviction and
regulatory compliance histories. Additionally, a business background
investigation can identify assets and liabilities; the background of
principal officers and directors; or company suppliers, vendors,
employees and customers. These investigations are structured to
fulfill specific client requirements for purposes of investment,
merger, acquisition, competitor analysis or litigation. Contact our
office for further details or to discuss a specific matter.
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DOCUMENT
PROCUREMENT/RETRIEVAL
With our extensive medical directory we are able to locate and obtain
any pertinent and necessary documents required. We have the
capabilities to expedite the process, even when the facilities require
their own authorization.
RECORDS
- Medical / Hospital / Pharmacy
Records & Pharmaceutical Histories
- W/C Claims and/or Records /
Insurance Records
- Employment Records / Tax Records
- State Labor & Industry Claims
OFFICIAL REPORTS
- Police / Sheriff / State Highway
Patrol / Fire Department
- Accident / Incident Reports
- Medical Examiner’s Report /
Coroner’s Report / Autopsy & Toxicology Findings Report
- Death Certificates
- NTSB / FAA reports
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PUBLIC
RECORDS & DATABASE SEARCHES
DMV Reports
Possible Drivers License Search
Possible Motor Vehicles
Driving Histories
Vehicle Registration at Address
ANI-Vehicle Ownership
License Plate Check
Court Records
Criminal Conviction Search
Statewide Criminal Database
County-Level Criminal
County-Level Civil
Federal-Level Criminal
Federal-Level Civil
Wants & Warrants Nationwide
National Onsite Criminal/Civil
National Federal Civil Searches
*Onsite Court Searches Available
Background & Assets Searches
Background check
Brankruptcies, Liens, Tax Liens
Judgements & Lawsuits
Property Ownership
Real Estate & Property Deeds
Deed Transfers
Motor Vehichles & Boats
Business Searches
Business Search
Business Background Check
Professional Licenses
Corporations
Owners & Officers
Vendor Check
Shareholders
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LOCATE SERVICES
This search, to locate the whereabouts of a claimant, includes
extensive database searching, social security number information,
public records, current and last known addresses, motor vehicle
registrations, possible real property ownership, associated subjects
and relatives, associated telephone numbers, and neighborhood
canvasses and state penitentiary and/or county jail inquiries, if
necessary.
BASIC
SRS’s Basic Search Report is an economical way of verifying
information and providing current data on your subject’s whereabouts
or identifying his/her new residence.
COMPREHENSIVE
SRS’s Comprehensive Search Report involves more of an in-depth
detailed search enabling us to verify and confirm current data. This
type of search also includes extensive database searching, social
security number information, public records, current and last known
addresses, motor vehicle registrations, possible driver’s license
information, possible real property ownership, associated subjects and
relatives, associated telephone numbers, neighborhood canvasses and
state penitentiary and/or county jail inquiries, if necessary.
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SURVEILLANCE
Video documentation of a claimant’s activities is the best evidence
available to identify valid claims, fabricated or exaggerated claims,
and malingering claimants. Society’s demand for the highest level of
proof in challenging a fraudulent claim requires a similar level of
professionalism in the acquisition of that proof.
SRS, adheres to the highest of ethics while conducting ALL
investigations as well as in our general business practice. Properly
executed surveillance will never violate an individual’s "reasonable
expectation of privacy" and will defeat the anticipated vigilance of
the most educated claimants.
Prior to all surveillance work, we conduct a quick PRE-SURVEILLANCE
check of the claimant's residence to ensure the cost effective use of
your investigative investment. A thorough background investigation is
recommended. A background investigation includes analysis of
information provided by the client, information gathered from public
records, and any additional information obtained through discreet
inquiries. Percentages will show, the more knowledge learned about an
individual, the higher the success rate of an investigation. This
information will help identify …..
The Claimant - The claimant’s
aliases
Vehicles - Property ownership
Addresses - Additional occupants of residence
Businesses - Employment
Associates - Future travel destinations
Possible Activities - Time when activities likely performed
Conducting surveillance usually
accomplishes one or more of the following:
- Assists in the investigation of
claims of injuries or disabilities.
- Documents the activities of an
individual or group.
- Uncovers associations or
relationships previously unknown.
- Provides evidence to corroborate
or refute other information.
- Can be used as an intelligence
gathering tool.
- Maintains quality control and
ensures the integrity of employees, vendors or contractors.
- Ensures the security of a specific
area.
- Enhances the personal safety of
individuals.
- Documents compliance or
noncompliance of safety issues.
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