Category Archives: Economy and Meltdown

Workers’ Compensation Cost Containment: 3 Areas to Educate Your Workforce Against Company Fraud

During times of a weaker economy, companies need to be extra vigilant about fraud. The temptation not only increases, but the company’s ability to deal with the results weakens.

Four things to teach your workforce about fraud:

1. Define your company policy on theft and fraud.

2. If you do not have a company policy on fraud and theft, write one.

3. Explain your state’s fraud laws.

4. Tell your employees what the consequences of internal fraud are in dollar terms – how does X amount of fraud dollars affect the company 401(k) program or the health benefits.

5. Explain the time and financial costs of legal action against a fraudulent employee.

Building a safety incentive program to prevent fraud

1. Incentivize employees for not having injuries.

2. A holistic approach is best – bring in the resources you have available. Insurance investigations, state attorneys, counselors, claims professionals, medical professionals, safety professionals,  nurse case managers and loyal employees.

Fourteen Fraud and Theft Deterrents

1. Education.

2. Have consequences for committing fraud.

3. Motivate reporting fraud by offering private reporting methods such as 800 tip numbers.

4. Use guest speakers such as the local police officers, claims adjustors and private investigators.

5. Let employees know they are part of the fraud prevention program.

6. Management and clients should walk the floors one a month or once per quarter to build rapport and let the workforce know there are informed people who can handle fraud.

7. Hang posters discouraging fraud or posters on how to report fraud.

8. Hold safety meetings that discuss fraud.

9. Display suggestion boxes.

10. Hire trusted management whom employees feel they can talk to.

11. Document the work area before plant closings or layoffs, note what is present and also what it not present, such as grease on the floor.

12. Run an anti-fraud campaign before layoffs or closings. Let employees know this is not personal, it is financial. Make interactions “human” and deal with employees as individuals.

13. Include information in the form of fliers, pamphlets or newsletters on reporting fraud or the consequences of fraud with employee paychecks. (workersxzcompxzkit)

14. Inform insurance carriers and ask for assistance before a plant closing. Bring in safety employees and nurse case managers to document what the employees are or aren’t doing.

Resource:  To download or listen to FREE AUDIO PODCAST  click here:   By: Anthony Van Gorp, private investigator with 25 years experience. 

 Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.

©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact

Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.

Work At Home Programs That Are Not Scams – Scam Free Work At Home Jobs Revealed

The internet is so full of crap these days that it’s hard to weed the scam free work at home jobs from the non scam free work at home jobs. This is especially true when it comes to work at home jobs! Most just aren’t scam free and in the end you don’t know what to trust and what not. And what is even sadder is the fact that A LOT of people, that call themselves ethical marketers, are in fact pushing this same non scam free work at home jobs junk over and over again! It makes no sense at all!

What I like to do in this short article is reveal a simple 3 step method so you can weed out the scam free work at home jobs from all that non scam free work at home jobs that is floating around the net. But before I do so, I have to add that it’s not bullet proof. Even despite this method, there are some really smart scammers out there that know these things and even counter it by using these same principles to look like a scam free work at home job. But you are looking for REAL scam free work at home jobs… right? So let’s get it kicking…

Step 1: A good, scam free work at home job page always has a good headline. Often times even a great lead capture page that goes into a salespage. This lead capture page is there to pre-qualify a prospect. If someone is serious enough, they will opt-in to get more information. Having that said, I’d like to give you 1 great example of a great page that promotes a scam free work at home job. Just go to http://www.superaffiliatemarketingsecrets.com and check it out. This page is not mine, I just wanted to send you there to show you a great example at work right this moment.

The lead page is good and the program he promotes is a very good one. It has all the features of a scam free work at home job because it delivers what it promises… pure value!

Step 2: If it sounds to good to be true, it probably is! The sad fact is that most things that sound too good to be true, are too good to be true. ESPECIALLY when you look for a scam free work at home job! This includes “get paid with survey” type of websites, “data entry” type of stuff, most online mlm’s, matrix scheme’s, etc. And if it also has a terrible salespage(read: Looks like it’s been written by a 10 year old boy)… watch out… 9 out of 10 times it is most certainly not a scam free work at home job at all! In fact… it screams NON SCAM FREE WORK AT HOME JOB if this is the case!

Step 3: Research and learn. Look… when there’s another one of those programs floating around… it is definitely worth to research it a bit to see what the experience of other people are. If it’s really a scam free work at home job! Don’t be shy… walk inside a forum and ask about their experiences with a certain program. If it’s really one of those scam free work at home jobs or not. But watch out though! There will be sad people, trying to make a quick buck, telling you that this program you want to know more info about is a scam free work at home job and then sending you to their own affiliatelink! Don’t buy into that… these guys are usually just in there for the money and they say it’s great because they want to make that extra sale or 2. I truly despise people like that… instead of pointing people to stuff that works… they just try to sell you on crappy shit and most certainly don’t want to show you scam free work at home jobs at all. I am sure that if they even had 1 ethical bone in their body’s and would review that stuff before they send it out, they wouldn’t even think twice about NOT promoting it!

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Tips On Dealing With Auto Fraud

The auto industry and their dealers are rife with scams and fraud and the potential buyer needs to be armed with the knowledge of how these scams work and how to avoid them. There are many dealers that run reputable businesses and can get buyers into a vehicle without using fraudulent means, but there are always those individuals or companies that are looking for ways to take consumers for a ride. The state of California, San Diego and Los Angeles in southern California in particular, is home to many of these scam artists. Even smaller states like Oklahoma have their share of fraud cases and attorneys there are as busy as lawyers in the larger California market. If you are fortunate, you won’t be a victim of one of these disreputable dealers, but it is wise to be aware of potential scams before you head to the dealer. Here are some tips on dealing with auto fraud.

People with bad credit are often the victim of fraud at dealerships. They are easy prey, often due to the fact that they believe they cannot get financing. The worst offenses usually occur in the finance office, where the potential buyer often lets their guard down. One way to lessen the chance of being scammed is to show up with no trade and to have your financing done through your bank, with a bank draft in hand.

One of the most common frauds committed by car dealers and one that attorneys see frequently brought to them is the advertising fee scam. Dealers slip into the contract an advertising fee. Often times the advertising fee is on the factory invoice. Dealers add in a second advertising “fee” which becomes pure profit for them. The way to avoid it is to simply ask that it be taken off the contract. If the dealer tells you that the factory doesn’t charge them an advertising fee, have them show you the invoice. If there is no fee on the invoice, which is unlikely, it is okay for the dealer to charge between 1% and 3% of the Manufacturers Suggested Retail Price or MSRP for an advertising fee. If it does not appear on the invoice, then the fee is completely negotiable. If it does appear on the invoice, then that is a case of dealer cost and is not negotiable.

If you feel you are the victim of auto fraud, the best way of dealing with it is to contact a lawyer and learn what your options and rights are. If you have a good case, a lawyer will have no problem presenting your grievance to the court.

Rishi chawla has a informative site on lemon law.
Lemon law help-Offers advice and information for owners of defective cars.

How to Report Medicare Fraud

The largest area of fraud against the government is Medicare fraud. Approximately 10% of all bills submitted to Medicare are inflated or improper, which amounts to tens-of-billions of dollars each year. The government is asking you to help save the Medicare program by reporting Medicare fraud. In fact, the Department of Justice will pay you a reward of up to 25% of what it recovers if you follow its procedure for reporting Medicare fraud. This article explains how to report Medicare fraud and what to look for to spot Medicare fraud.

Because Medicare pays out $500 billion a year, even a small percentage of fraud amounts to a lot. Because it loses 10% a year to fraud, that amounts to $50 billion a year. Below are common ways doctors and hospitals are cheating Medicare.  You are eligible for a significant monetary reward if you report one of these types of Medicare fraud.

Examples of Medicare fraud by Hospitals and Doctors

Below are just a sampling of the ways hospitals and others health care providers cheat:

  • charging for tests, services or supplies not actually provided
  • falsely stating how many hours were spent (i.e. routinely adding 30 minutes)
  • charging for tests or services not really needed (i.e. routine ordering of blood work, frequently requesting a full panel of tests where only one or two are needed, or providing psychotherapy to people with Alzheimer disease)
  • lying about any work or service performed
  • upcoding (i.e. patient really has “bronchitis”, but Medicare is knowingly billed for treating “pneumonia”)
  • billing for unallowable or unreasonable costs of goods or services
  • billing for routine supplies (i.e. band aids, lubricants, irrigation solutions, gloves, slippers, prep kits, towels, monitors, humidifiers, oxygen [by the hour], anesthesia circuits, elbow or heel pads, mask, electrodes for ECG, and foam head rests)
  • charging incremental nursing services (i.e. IV starts, and stat or monitor charges)
  • unbundling services billed to Medicare (i.e. billing for individual tasks that really consist of one larger procedure)
  • receiving or paying kickbacks for client referrals or to use particular products
  • claiming ambulance costs for routine or non emergency travel
  • using unskilled or unlicensed workers
  • Long Term Acute Care Hospital (LTACH) cheating on number of days

Medicare Fraud by Drug Companies

Pharmaceutical companies cheat Medicare in three big ways, amounting to billions of dollars each year. First, they receive kickbacks from doctors and hospitals for referring patients. Second, drug companies promote off-label uses for drugs other than what the FDA approved for its intended use. Third, by failing to follow Current Good Manufacturing Practices (cGMP) their drugs are considered adulterated.  (The FDA has strict requirements that apply to every drug manufacturer. Before a drug is approved, the pharmaceutical company must not only test the drug and prove its effectiveness, but it must establish and then strictly follow tight manufacturing procedures and controls.)

How to report Medicare fraud

The Department of Justice pays huge monetary rewards under the False Claims Act for reporting Medicare fraud. It pays up to 25% of what it recovers based upon your report of fraud, which amounts to millions of dollars. However, knowing how to report Medicare fraud is just as important as knowing about Medicare fraud. For instance, you must use an attorney to file for a monetary reward under the False Claims Act. You must also follow the government’s strict procedures for applying for a Department of Justice reward. But it can be worth the effort because the average reward for Medicare and Medicaid fraud is close to $1 million, and rewards have been as high as $100 million. It is time for you to learn how to report Medicare fraud.

Joel Hesch spent 15 years as an attorney in the Fraud Division of the Department of Justice (1990-2006) administering the national whistleblower reward program. He is the author of a recent book, Whistleblowing: A Guide to Government Reward Programs (How to Collect Millions of Dollars for Reporting Fraud). He is currently a law school professor at Liberty University and represents whistleblowers filing for monetary rewards for reporting fraud. Please visit his informative website, www.HowToReportFraud.com, which contains up to the minute updates on government reward programs.

Dollar Sickness

Dollar sickness

To all; how sick is the Dollar? All you need to do is look at the action
since last Friday when the earthquake and tsunami struck Japan. For as
long as I have been in business (1983) whenever ANY disaster struck
whether natural, man made or financial the Dollar would rally, not this
time though. On Monday the Dollar briefly traded over the 77 level and
is now in the process of taking out support in the low 76’s, in fact it
is right now under 76. Do you wonder why? Read this

http://cnsnews.com/news/article/debt-jumped-72-billion-same-day-house-vo
and understand that Congress is nothing more than a bad bad joke. They
are “debating” budget cuts of $6 Billion while the very same day the
outstanding debt jumped $72 Billion. In other words, Treasury debt
jumped in one day 12 times the amount that these Bozos are fighting over
cutting for the next year!

Do you see the problem? Apparently the FOREX markets finally are, this
is why even in the face of disaster the Dollar is not catching any bid.
The bottom line is that financially we are completely over the edge, in
other words WE ARE BANKRUPT plain and simple. Oh yes before I forget,
the very next story on www.drudgereport.com is one where Treasury
secretary Geithner is asking Congress for MORE debt! “Raise the debt
ceiling” he says otherwise the U.S. will default which will be
catastrophic”!
http://www.reuters.com/article/2011/03/16/us-usa-treasury-geithner-debt-idUSTRE72F7WQ20110316
Does he not understand what he is saying (I am sure he does), if the
U.S. cannot borrow more then we are broke? Does this make any sense?
Isn’t this the thought process of every single bankrupt entity or
individual just before they “declare”? “If I could only borrow more I
won’t have to file (admit) bankruptcy”. It is astonishing to me that
markets have allowed this “dead beat” borrower to get as far down the
line and as deeply underwater as we are!

I checked the price Gold and metals last night as stories were surfacing
that the reactors in Japan were getting closer to complete meltdown, to
my LACK of surprise they were down pretty hard of course. Think about
this, without a doubt Gold and Silver ARE THE SAFEST CURRENCIES ON THE
PLANET. Don’t take my word for it, just look at a 10 year chart, hell,
look at a 5,000 year chart! (actually you cannot because there is no
other currency to measure Gold against that has lasted more than a human
lifetime) So fear is running pretty high, the Dollar cannot hurdle over
a flea yet in the access hours the metals get slaughtered AGAIN? Sorry I
have to call BULLSHIT! on this. The only entities selling Gold or Silver
right now are those that HAVE to to raise money to meet margin calls.
And how many of these entities are selling actual, real, touchable Gold?
ZERO! NO ONE! NADIE!

Yes I know it is broken record time, the last few days have been all
about PAPER SALES of Gold. The tail wagging the dog so to speak. This
week’s sellers of Gold might as well be trading “air” contracts because
that is all they represent, clean, breathable and free air trapped
inside empty vaults! We have lived through many crisis’ over the years
where the “fear level” elevated but never ever reached critical mass
where the fear was unbridled and total. I believe that once the lid
blows off the paper metals game, fear unlike anything we have seen in
our lifetimes will arise.

But who cares about the metals you ask? I really believe you will be
surprised because the average person still believes that the central
banks have Gold in their vaults that backs currencies. No way you say?
No one could be this uninformed or stupid? Just go out on the street and
ask 10 people what gives their local currency value and I bet 5-6 will
tell you GOLD! I know because I have done this, I have asked Americans,
Costa Ricans and recently Brazilians and always more than half tell me
that Gold is the foundation! What do you suppose will happen when the
common man gets clued in to what has really happened over the last 40
years? In a single word…FEAR! Pure unadulterated raw FEAR! Think of it
like this, lightbulbs will go on all over the world “oh my God, I am
broke, I have nothing”! THIS is fear and THIS is why no one can place
any $ price on Gold’s upside because so much ($ Trillions?, $
Quadrillions?) will chase Gold, REAL gold!

Greed will have very little to do with what is coming and this emotion
will be felt only by those with previous positions, FEAR is what will
drive Gold higher. Fear of survival, fear for financial lives, fear of
being shut out of the new financial system. I write about fear today
because it is where I believe we are headed and would like to remind you
that there is NO EMOTION greater than fear. NONE! Don’t let yourself be
one of the future fearful! Buy real Gold and protect your online footprint
by using offshore proxies (SSH or VPN) from www.privacy.li