How to Handle Workers Comp Fraud Accusations and Protect Your Rights

Estimated reading time: 15–20 minutes

Disclaimer: This post is general information, not legal advice. Consult a qualified attorney for advice about your specific situation.

Attorney-reviewed content: Our editorial process includes legal review for accuracy; statutes and timelines vary by state.

Key Takeaways

• Workers comp fraud accusations are not the same as criminal charges, but they trigger urgent steps: demand written notice, preserve evidence, and avoid admissions.

• What is considered workers comp fraud centers on intentional false statements or documents that are material to benefits; honest mistakes generally lack intent and can often be corrected.

• Common signs of workers comp fraud that investigators cite include surveillance clips, medical inconsistencies, social media, and conflicting witness accounts—context and chain of custody matter.

• False workers comp claim consequences can include repayment, fines, denial of benefits, job loss, and even criminal prosecution, depending on state law and intent.

• Defending against workers comp fraud charges is evidence-driven: collect full records, challenge surveillance, consult a workers comp fraud defense attorney, and prepare timely administrative responses and appeals.

Table of Contents

• Introduction

• Understanding Workers Comp Fraud Accusations

• What Is Considered Workers Comp Fraud

• Signs of Workers Comp Fraud

• False Workers Comp Claim Consequences

• Immediate Steps to Take After an Accusation

• Defending Against Workers Comp Fraud Charges

• Evidence You’ll Need and How to Collect It

• The Legal Process and Timeline

• Mitigating Damage and Negotiating Outcomes

• Preventing Accusations and Best Practices for Workers

• Employer and Insurer Perspectives

• State Variations and Where to Get Local Help

• Real Case Examples / Mini Case Studies

• Conclusion

• FAQ

Introduction

Facing workers comp fraud accusations is frightening and can carry serious legal, financial, and employment consequences. If you’ve been accused of workers’ comp fraud—or you fear a misunderstanding could escalate—this guide explains what is considered workers comp fraud, the signs investigators rely on, the likely false workers comp claim consequences, and step-by-step tactics for defending against workers comp fraud charges so you can act quickly and protect your rights.

Investigations can start from employer or insurer concerns, surveillance, or data flags, and may lead to administrative or criminal actions depending on the facts. Reputable overviews from Wilson Injury Law and ADP’s guidance on workers’ compensation fraud explain how claims are screened and why careful, timely responses matter. Below you’ll learn how to respond to a workers’ comp fraud investigation, the evidence to assemble, and the defenses to consider.

Understanding Workers Comp Fraud Accusations

Workers comp fraud accusations are allegations by an employer, insurer, or government agency that an employee knowingly misrepresented facts to obtain workers’ compensation benefits. These concerns can stem from employer reports, insurer data analytics, surveillance footage, tip lines, or anonymous complaints. Both Wilson Injury Law and ADP note that investigations often begin with unusual claim patterns, contradictory records, or third-party tips.

It is crucial to distinguish between an “investigation” and “formal charges.” The investigation stage is fact-finding and can involve interviews, record requests, and surveillance; formal charges may be an administrative hearing notice or a criminal complaint. An investigation or suspicion does not equal a criminal charge — but it does require prompt action to preserve defenses and evidence. Ask for written notice outlining the allegations, evidence cited, and deadlines, and immediately preserve documents, messages, and any relevant media.

If your benefits are denied or suspended, you may need to appeal quickly; review our guide on how to appeal a workers’ comp denial for timelines and hearing basics. If you are still in the claim phase or need to strengthen basic filings, see how to file a workers’ compensation claim and common mistakes to avoid.

What Is Considered Workers Comp Fraud

What is considered workers comp fraud? In plain terms, it is knowingly making a false or materially misleading statement, or submitting fabricated or altered documents, with the intent to obtain workers’ compensation benefits you are not entitled to. Overviews from Lightfoot Law, Wilson Injury Law, and ADP emphasize the role of intent and materiality.

• Falsifying injury: Claiming an injury that did not occur or claiming a non-work-related injury as work-related.

• Exaggeration of injury: Overstating symptoms or functional limitations beyond medical evidence and provider observations.

• Working while claiming disability: Earning wages or performing substantial work while claiming inability to work due to the reported injury.

• False witness statements or forged paperwork: Submitting altered medical reports, doctored receipts, or knowingly false witness statements.

• Duplicate or false claims: Filing the same claim multiple times or using fictitious vendors/providers to inflate costs.

To prove fraud, decision-makers generally look for four elements, explained in accessible terms by Wilson Injury Law and Lightfoot Law:

• Intent: Evidence that you knowingly misrepresented facts, not just carelessness.

• False statement: A demonstrably false representation (oral, written, or by document).

• Materiality: The statement could affect benefit decisions or claim outcomes.

• Damages or benefit receipt: Proof that benefits were paid (or would have been) because of the misstatement.

Honest mistakes—clerical errors, mixed-up dates, misunderstood forms, or miscommunication—are typically not fraud because they lack intent. If an error happened, promptly correct it, keep notes showing when and how you fixed it, and document communications with the insurer; such steps show an absence of intent. For example, if a worker mistakenly reported the wrong date for a follow-up appointment and immediately submitted the correct date with a provider’s confirmation, that misstep is different from forging a medical note to extend disability time.

Statutes, penalties, and evidentiary burdens vary by state, so verify your state’s rules and consult local counsel. If you need a refresher on what benefits may be affected by a fraud allegation, see our guide to what benefits workers’ comp covers.

Signs of Workers Comp Fraud

Investigators look for objective inconsistencies and patterns. Common signs of workers comp fraud often cited by insurers and anti-fraud units include:

• Surveillance suggesting activity inconsistent with claimed limitations. Context matters—short clips, camera angles, or brief moments of activity may not capture pain flare-ups, breaks, or what happened before/after.

• Inconsistent medical records or conflicting physician notes. Discrepancies can occur when multiple providers document differently; ask providers to reconcile inconsistencies in clear, dated notes.

• Social media posts showing activities that appear to contradict the injury. Photos can be misleading or staged; timestamps and context are essential.

• Witness statements that conflict with the claimant’s account of how the injury occurred or the severity of symptoms.

• Prior history of similar claims or statistically atypical claim patterns flagged by insurer analytics.

• Late or missing contemporaneous incident reports, which raise questions about timing and documentation.

Read any investigator’s notice carefully for dates, specific acts alleged, cited evidence (surveillance, posts, witness names), deadlines, and contact information. Note possible misinterpretations such as photos taken out of context, short surveillance snippets, errors in identity, or ambiguous medical phrasing. Overviews from Wilson Injury Law and ADP explain how investigators use these red flags and how to respond to a workers’ comp fraud investigation with documentation that addresses the alleged inconsistencies.

Practical tip: Request and preserve the full context behind any photos or videos—ask for the unedited surveillance files with timestamps and camera location data. Maintain chain of custody by keeping original media intact and logging who handled it and when; this helps authenticate or challenge evidence later.

False Workers Comp Claim Consequences

False workers comp claim consequences include civil, administrative, employment, insurance, and even criminal repercussions if authorities find intentional misrepresentation. The severity varies by state and the specific facts, but the categories below are common.

• Civil penalties: Repayment (restitution) of benefits, fines that can be substantial, and potential civil lawsuits by the employer/insurer to recover losses. ADP and Wilson Injury Law note that jurisdictions can impose significant monetary penalties; exact amounts vary by state and must be confirmed locally.

• Administrative consequences: Denial or suspension of current benefits, and notations in the claim file that may affect future claims or settlements.

• Employment consequences: Termination for cause under company policy, negative references, and reputational harm that can limit future opportunities.

• Criminal penalties: In some jurisdictions, intentional fraud can be charged as a misdemeanor or felony, leading to restitution, probation, and possible jail time; maximums vary by state and must be reviewed with counsel.

• Insurance industry actions: Subrogation efforts to recoup costs, policy cancellation, and potential difficulties with future coverage.

• Long-term impacts: Increased premiums, background checks revealing past convictions or administrative findings, and difficulty obtaining certain roles or benefits.

Severity varies significantly. Some states impose fines in the tens of thousands and criminal penalties that include multi-year prison terms; others focus on repayment and administrative sanctions—check local statutes and consult an attorney before relying on any specific figures.

Immediate Steps to Take After an Accusation

When you receive workers comp fraud accusations, act quickly but calmly. Do not argue, do not make admissions, and prioritize preserving evidence while you seek guidance from a workers comp fraud defense attorney. Early actions protect your rights, your credibility, and your ability to address any misunderstandings.

• Remain calm; do not make admissions. Avoid statements like “I must have messed up the paperwork” or “Maybe I exaggerated.” Say you will review and respond in writing.

• Ask for written notice of allegations and investigation scope. Sample request: “Please send me the allegations in writing, including dates, evidence, and deadlines, so I can respond accurately.”

• Preserve all records: incident reports, employer emails, doctor notes, bills/receipts, timecards, CCTV footage, HR communications, and claim portal screenshots.

• Create a contemporaneous timeline: date/time of injury, who witnessed it, when you reported it, doctor visits, tests, therapies, and any work performed before/after the injury.

• Secure medical records: request complete files from all providers, including charts, imaging, test results, referrals, billing codes, and progress notes; keep original files and working copies.

• Avoid social media posts and delete nothing. Deleting can be misinterpreted as spoliation; instead, refrain from posting and archive your data.

• Get witness names and contact information; when appropriate, ask for short, dated statements describing what they observed.

• Do not consent to recorded or on-site interviews without counsel present or advising you.

• Consult a workers comp fraud defense attorney immediately. If you do not have one, consider local bar referrals or legal aid; look specifically for “workers comp fraud defense attorney” experience.

Sample safe response scripts you can adapt:

• To an investigator/insurer: “I want to cooperate, but I need the allegations in writing and I am consulting with legal counsel before giving a statement.”

• To your employer: “Please send the investigation notice and the evidence you have to my email or mailing address; I will respond after receiving legal advice.”

• To friends/family: “I cannot discuss this right now; please give me time to consult with counsel.”

For broader context on early documentation after an injury, see our guide on steps to take after a workplace injury. If a denial or suspension occurs amid an investigation, learn about appeal windows in how to appeal a workers’ comp denial. For background on insurer surveillance and delay tactics, review why employers or insurers deny workers’ comp claims.

ADP and Wilson Injury Law both emphasize preserving evidence and understanding the process before speaking at length; doing so helps you maintain consistency and avoid misunderstandings.

Defending Against Workers Comp Fraud Charges

Defending against workers comp fraud charges is evidence-driven and time-sensitive. Your goal is to gather, preserve, and present reliable documentation that shows the truth, clarifies context, and demonstrates your good faith.

1. Hire counsel experienced in workers’ comp fraud. Workers’ compensation appeals counsel handles administrative hearings and benefits issues; criminal defense counsel should be added if there is criminal exposure. In some situations, you will need both to coordinate strategy and avoid contradictory statements.

2. Conduct an immediate evidence audit. Counsel will request your complete medical file (including billing and progress notes), employer incident reports and safety logs, timecards/payroll records, raw CCTV or third-party surveillance with metadata, claim history, and any insurer “statistical flags.” See ADP’s analysis of common insurer anti-fraud methods for context on the data used.

3. Retain independent medical experts when appropriate. Consider an independent medical examination (IME) or records review that addresses causation, functional limitations, treatment consistency, and whether activities seen in surveillance could still be consistent with the diagnosed condition.

4. Investigate chain of custody and authenticity of surveillance and documents. Request full video files, original photos, device metadata, and information about who captured, stored, and transferred the materials. Gaps can undermine reliability. Wilson Injury Law notes that careful scrutiny of investigative materials is essential.

5. Gather corroborating documentary evidence. Examples include GPS/phone logs, physical therapy notes, receipts, employer schedules, accommodation requests, contemporaneous symptom journals, and messages that show attempts to clarify errors. Cross-reference dates and create a document index.

6. Prepare administrative responses and appeals. Your initial written response should acknowledge receipt, request full evidence, and preserve defenses. Sample language: “We acknowledge receipt of the notice dated [date]. Please provide the full surveillance files (unedited), any medical reports relied upon, and the basis for the materiality determination. We reserve all defenses, including lack of intent and misidentification. We will supplement this response upon review of the complete file.” Then meet your appeal deadline. Learn procedural basics in our guide on appealing a workers’ comp denial.

7. If there is a criminal referral, coordinate immediately with criminal defense counsel. Statements in the comp process can impact criminal exposure; your teams must align strategy and timing.

Common legal defenses include:

• Lack of intent: Show prompt corrections, contemporaneous notes, and communications proving you did not intend to mislead.

• Mistaken identity/misattribution: Demonstrate that the person in surveillance is not you or that footage reflects a different date/time or context.

• Clerical/administrative error: Provide payroll or claims system records showing a data-entry mistake and your efforts to correct it.

• Medical causation or pre-existing condition: Supply medical history and expert analysis that explain symptoms without implying fraud.

• Innocent duplicate filing or double-payment: Document that you sought to fix the duplication and cooperated fully.

As Lightfoot Law, ADP, and Wilson Injury Law note, how to respond to a workers’ comp fraud investigation is as much about process as substance—secure evidence through counsel, do not run your own investigations that could violate laws, and avoid informal fixes that leave no paper trail.

If you are unsure where your claim stands or how benefits may be impacted during the dispute, you can revisit the basics in our overview of what workers’ compensation is and how it works, and consider whether a workers’ compensation lawyer could help coordinate your defense and claim strategy.

Evidence You’ll Need and How to Collect It

In defending against workers comp fraud charges, organized, authenticated evidence is essential—and many items require proactive requests or preservation. Given the signs of workers comp fraud discussed earlier, collect the full context behind every red flag.

• Employer reports: Request copies of incident reports, safety logs, OSHA logs, and any disciplinary records. Ask for the report date, preparer, and distribution list.

• CCTV/surveillance: Demand full, unedited video with timestamps and metadata; request camera placement maps and retention logs to show what was captured or missed.

• Medical records: Request the complete file from each provider—charts, imaging, test results, referrals, billing statements and codes, and progress notes. Ask for clarifying addenda if records are internally inconsistent.

• Activity logs and timecards: Pull payroll records, clock-ins/outs, overtime, PTO, and any return-to-work or accommodation forms.

• GPS/phone records: Preserve location history and relevant app data. If third-party subpoenas are needed, coordinate through counsel.

• Witness affidavits: Ask witnesses to write dated and signed statements. Template (one paragraph): “On [date], I, [name], observed [what you saw] at [location]. Based on my direct observations, [concise details]. I make this statement voluntarily and confirm it is true to the best of my knowledge. Signed [name], [date], [contact].”

• Workplace safety logs and hazard reports: Request internal safety bulletins and hazard remediation records relevant to the injury mechanism.

Preservation tactics:

• Send preservation letters to the employer, insurer, and any third parties likely to have relevant records. Example language: “Please preserve all records related to [employee/claim number], including emails, texts, call logs, surveillance files (unedited), medical reports, claim analytics, and audit flags, pending resolution of this matter.”

• Note retention policies and deadlines. Ask how long each system retains surveillance files, texts, or call recordings; request extensions if needed.

• Maintain chain of custody and authentication. Keep originals secured, track who accesses them, and store copies separately with an index.

Ethical guidance: Do not hack, guess passwords, or otherwise obtain restricted records unlawfully. Work through your attorney for subpoenas or court orders. If you have personal evidence (photos, messages, journals), label items by date and context and back them up securely. For additional background on reporting and documentation fundamentals, see steps to take after a workplace injury.

The Legal Process and Timeline

While each case is different, fraud-related disputes commonly follow a predictable sequence. Timelines vary by state; missing deadlines can forfeit important rights, so track dates precisely.

1. Internal triage/investigation by employer or insurer (weeks to months). Files are reviewed, surveillance may be commissioned, and analytics are checked. See ADP’s overview of insurer anti-fraud processes.

2. Insurer decision to deny/suspend benefits. Benefits can be suspended pending review; review your rights to challenge any decision.

3. Administrative hearing/appeal at the workers’ compensation board. Filing windows can range from roughly 10–90 days depending on the state; be sure to verify your jurisdiction. Our guide to appealing a workers’ comp denial outlines typical hearing steps.

4. Civil recovery actions or subrogation by the insurer/employer. Repayment demands may proceed in parallel with administrative steps.

5. Criminal referral and prosecution (if intentional fraud is alleged). Criminal timelines and standards differ from administrative proceedings; coordinate defense counsel if referred.

Approximate timeframes (varies by state and case complexity): investigation 2–12 weeks; administrative appeals filed within 10–90 days; hearing set months after filing; criminal charging decisions can take months after evidence review. Outcomes include administrative denial, settlement (repayment and release), dismissal of allegations, or criminal conviction with restitution, fines, or incarceration. For general context on claim processes and deadlines beyond fraud scenarios, you can review workers’ comp time limits to file.

Mitigating Damage and Negotiating Outcomes

Even amid an accusation, there are steps that can reduce penalties or help resolve the matter. Discuss options with counsel before agreeing to anything.

• Prompt cooperation with the investigation: Timely, accurate responses (through counsel) can reduce fines or administrative penalties.

• Voluntary repayment agreements: Negotiated repayment plans may address overpayments while minimizing immediate financial strain; ask counsel about tax or credit implications.

• Rehabilitation or corrective action plans: Demonstrating genuine injury management, compliance with treatment, and return-to-work efforts can support your position.

• Diversion or pretrial programs: Where available, these can avoid a criminal record in exchange for restitution or conditions—availability varies by jurisdiction.

• Confidential settlements: Consider terms that preserve some benefits, reduce reputational harm, or avoid a criminal referral; consultation with counsel is essential.

Negotiation tips: Demonstrate good faith by providing corrections promptly and documenting communications. Use medical experts to explain apparent inconsistencies and emphasize the absence of intent. Example settlement posture: “We are willing to negotiate repayment and cooperate fully in exchange for administrative closure and no criminal referral.” For broader context on insurer perspectives during negotiation, see ADP’s fraud overview and Wilson Injury Law’s discussion of penalties. Do not sign any repayment or settlement agreement without attorney review.

Preventing Accusations and Best Practices for Workers

Strong documentation and consistent communication reduce the risk of misunderstandings and help you respond effectively if questions arise. These practices also help you avoid behaviors that resemble the signs of workers comp fraud.

• Timely incident reporting: File official reports the same day when feasible; include names, times, and locations. If you need a primer on initial steps, see how to file a workers’ comp claim.

• Contemporaneous notes: Keep a personal injury journal with dates, symptoms, doctor visits, therapy sessions, and work impacts.

• Full disclosure to medical providers: Explain exactly how and when the injury occurred, and list all activities; transparency helps avoid discrepancies.

• Follow employer reporting protocols: Request clarifications in writing for any confusing forms and keep copies of everything you submit.

• Document communications: After any phone call, send a confirmation email noting date, time, and what was discussed; obtain claim numbers.

• Social media caution: Set profiles to private, do not post about your injury or case, and avoid content that could be misinterpreted.

Remember what is considered workers comp fraud—intentional falsehoods and material misstatements—and structure your communications to be precise, consistent, and supported by records.

Employer and Insurer Perspectives

Understanding why employers and insurers investigate helps you anticipate the angles of an inquiry and supply the documentation that addresses their concerns. Anti-fraud efforts aim at cost control, regulatory compliance, deterrence, and fiduciary duties to policyholders. ADP describes how carriers employ analytics, audits, IMEs, and surveillance to detect anomalies; the National Council on Compensation Insurance (NCCI) provides national data context on claims and costs.

Methods include surveillance, data analytics, claims-pattern detection, tip lines, medical reviews and IMEs, and background checks. For employees, this affects what evidence is collected, the timing of benefit decisions, and the likelihood of criminal referral if intent appears. Knowing these motives can guide how to respond to a workers’ comp fraud investigation—by preemptively supplying clean timelines, reconciled medical notes, and evidence that directly addresses suspected inconsistencies. If you are seeing surveillance or delay tactics, review insights in why employers deny workers’ comp.

State Variations and Where to Get Local Help

Statutes, penalties, procedures, and filing deadlines differ by state. This guide provides general information, not legal advice. Always check local rules and consult counsel for defending against workers comp fraud charges and understanding false workers comp claim consequences where you live.

• Review your state’s workers’ compensation board website for procedures and forms. Example: the Minnesota Department of Labor & Industry provides information on benefits, disputes, and appeals.

• Locate state fraud units or hotlines via your state agencies; many list guidance on reporting and investigations.

• If you need low-cost help, contact your state bar association or legal aid organizations for referrals.

• For national data context on claim costs and trends, consult NCCI.

If you are still building a claim or appealing a denial while addressing an accusation, these resources can be used alongside our guides on appeals and initial filings.

Real Case Examples / Mini Case Studies

Case 1 — Exoneration (employee cleared)

Facts: After a back injury, an employee was targeted by workers comp fraud accusations because a social media photo showed them briefly carrying a small box. The insurer argued this contradicted the claimed lifting restriction and suspended benefits pending investigation.

Evidence that helped: Counsel obtained the complete medical file showing consistent treatment and physician-imposed restrictions. The “box” was documented as 3 pounds, and full unedited surveillance revealed that the worker moved it only once, then immediately sat and iced the back. Multiple coworkers provided signed, dated witness affidavits describing the employee’s limited activity and pain flare-ups around the time of the photo. Chain-of-custody logs for the surveillance confirmed edits in the initial clip.

Outcome: The administrative authority dismissed the allegation and reinstated benefits with back pay, finding no intent to misrepresent and no material contradiction.

Lesson: Thorough contemporaneous records and full video context can reverse misinterpretations. Consider the guidance from Wilson Injury Law about how surveillance must be evaluated in context.

Case 2 — Settled via repayment

Facts: A worker received duplicate temporary disability payments after a system update and filed a second, overlapping request by mistake. The insurer flagged the pattern and issued a fraud investigation notice.

Evidence: A payroll/timecard audit and claim-portal screenshots showed a clerical error created the duplicate request. The worker had emailed the adjuster asking how to fix the overlap, and the adjuster’s delayed response was documented.

Outcome: Counsel negotiated a repayment plan that offset future benefits gradually to avoid hardship. The administrative file noted the absence of intent, and fines were reduced due to prompt cooperation.

Lesson: Quick cooperation and transparent repayment can reduce penalties. While outcomes vary by state, both ADP and Wilson Injury Law emphasize that many cases hinge on intent and materiality, not innocent errors.

Case 3 — Criminal conviction

Facts: An individual staged a fall off-site, then claimed it happened at work. The person submitted forged medical notes and coached a friend to provide a false witness statement. Surveillance captured rehearsals of the “accident,” and metadata showed altered document creation dates.

Evidence: Surveillance matched staged behavior; forensic document analysis revealed forged signatures; and phone records showed planning communications. The insurer referred the matter for criminal prosecution.

Outcome: Felony conviction, restitution to the insurer, and a jail sentence. Administrative findings noted intentional fabrication, bringing severe false workers comp claim consequences and long-term employability impacts.

Lesson: Intentional fabrication leads to severe criminal consequences. Employers and insurers will use surveillance and analytics, as discussed by ADP, to escalate clear fraud for prosecution.

Conclusion

Being accused of workers’ compensation fraud can feel overwhelming, but you are not powerless. Separate suspicion from formal charges, get all allegations in writing, preserve every record, and consult experienced counsel to construct an evidence-backed response. Understand what investigators consider “red flags,” challenge surveillance context and chain of custody, and submit clear, timely administrative responses. When appropriate, explore mitigation options such as cooperation, repayment plans, and expert medical explanations that show good faith and lack of intent. Above all, act quickly—deadlines for appeals and hearings are short, and early actions often determine outcomes.

Need help now? Get a free and instant case evaluation by US Work Accident Lawyers. See if your case qualifies within 30-seconds at https://usworkaccidentlawyer.com.

Disclaimer (repeated): This article is general information, not legal advice. Laws vary by state. Speak with a qualified attorney about your specific situation before acting.

FAQ

What should I do if I get accused of workers comp fraud?

Request written notice of the allegations, preserve all evidence, avoid admissions, and consult a workers comp fraud defense attorney promptly. See the detailed checklist in Immediate Steps to Take After an Accusation and the strategy map in Defending Against Workers Comp Fraud Charges.

What is considered workers comp fraud vs. an honest mistake?

Fraud requires intentional, materially false statements or documents that affect benefits; honest mistakes lack intent and can often be corrected with prompt clarification. Learn the elements and examples in What Is Considered Workers Comp Fraud.

What are common signs of workers comp fraud investigators look for?

Surveillance clips, inconsistent medical notes, social media contradictions, conflicting witnesses, and atypical claim patterns are common red flags. Context and chain of custody matter. See Signs of Workers Comp Fraud.

What are false workers comp claim consequences?

They can include repayment, fines, denial or suspension of benefits, termination, and criminal charges in some states. Severity varies by jurisdiction. Details are in False Workers Comp Claim Consequences.

How do I start defending against workers comp fraud charges?

Hire specialized counsel, audit medical and employment records, request full surveillance with metadata, and file timely administrative responses or appeals. Read the step-by-step plan in Defending Against Workers Comp Fraud Charges.