Services
Document a loss
Support a claim
For carriers and employers
Service areas
Middle Tennessee
- Nashville
- Clarksville
- Murfreesboro
- Franklin
- Hendersonville
- Smyrna
- Spring Hill
- Gallatin
- Lebanon
- Columbia
- Brentwood
- Mount Juliet
- La Vergne
- Cookeville
East Tennessee
West Tennessee
Workers' Compensation and Medical Fraud Investigation
For workers' compensation carriers, self-insured employers, third-party administrators and their counsel who need facts from the field on a claim, a claimant's activity or a medical provider.
- Coverage
- 95 of 95 counties
- Dispatch
- 24 / 7 / 365
- Metro response
- Under 60 min avg.
- Statewide
- 4-hour guarantee
Field facts for workers' compensation and medical claims
A workers' compensation claim is evaluated largely on paper: the first report of injury, medical records, bills and restrictions. Questions arise when the paper does not fit what the employer or adjuster knows. The injury was unwitnessed. The reported activity level does not match what a supervisor saw. A clinic is billing for a volume of visits that seems implausible. Answering those questions takes someone on the ground.
Delator Claims Division provides that field capability across Tennessee: documenting the injury scene as found, interviewing coworkers who are willing to speak, observing a claimant's public activity, verifying outside employment through observation and public records, and confirming that a medical provider operates where and when its billing says it does. These services are available to carriers, self-insured employers, administrators and their attorneys only.
Workers' compensation and medical investigation services
Eleven services covering the claim, the claimant's activity and the provider.
- Workers' Compensation Claim InvestigationField investigation of reported workplace injuries for Tennessee workers' comp carriers, self-insured employers, TPAs and their counsel. Facts, sourced.
- Workers' Comp SurveillanceLawful workers' comp surveillance for carriers, self-insured employers and TPAs in Tennessee: dated video, factual activity logs, no claimant contact.
- Workplace Injury Scene DocumentationInjury scene documentation for Tennessee workers' comp carriers, self-insured employers and TPAs: machine, floor, guarding and lighting recorded as found.
- Workers' Comp FraudFact-based workers' comp fraud investigation for Tennessee carriers, self-insured employers, TPAs and counsel. Indicators are reported, not conclusions.
- Exaggerated & Malingering Injury ClaimsFor Tennessee workers' comp carriers, employers and TPAs: observed activity set beside reported restrictions, with interpretation left to medical reviewers.
- Working-While-Collecting InvestigationVerification of undisclosed employment or business activity for Tennessee workers' comp carriers, employers and TPAs, using observation and public records.
- Coworker & Witness StatementsVoluntary, consent-recorded coworker and witness statements for Tennessee workers' comp carriers, self-insured employers, TPAs and their attorneys.
- Medical Fraud InvestigationField verification supporting carrier and SIU medical fraud reviews in Tennessee. Lawful observation and public records, with no medical opinions offered.
- Medical Billing FraudField checks that help Tennessee carriers, TPAs and SIUs test whether billed visits match observed activity. Delator does not audit bills or billing codes.
- Provider & Clinic VerificationOn-site verification that a provider or clinic operates at its listed address, for Tennessee workers' comp carriers, self-insured employers, TPAs and SIUs.
- Self-Insured Employer & TPA SupportStatewide field investigation and documentation for self-insured employers and third-party administrators managing Tennessee workers' compensation claims.
From request to delivered record
- RequestCall dispatch or submit the request form with the location, loss type and urgency.
- DeployDispatch assigns the nearest available licensed field investigator through the statewide network.
- DocumentPhotographs, video, measurements and factual notes are captured once the scene is safe to work.
- PreserveFiles are timestamped, organized and kept in their original form with a record of who captured them.
- ReportThe package is delivered securely to the requesting party, typically the same day.
Limits that keep the work usable
Surveillance is conducted from public vantage points and documents activity with dated video and a factual log. Investigators do not contact the claimant during surveillance and do not offer medical opinions about what an activity means. Interpretation is left to the carrier and the treating or reviewing physicians.
On medical and billing matters Delator verifies facts in the field. It does not audit medical records or billing codes, does not obtain protected health information without proper authorization, and does not conclude that a provider or claimant committed fraud.
This service is available to insurance carriers, self-insured entities, third-party administrators and the attorneys who represent them. Delator reports facts and observed indicators; decisions on coverage, liability, settlement and any fraud referral remain with the client.
It is not offered to policyholders or claimants, and Delator does not act as a public adjuster. Policyholders and claimants can request neutral scene documentation instead.
Common questions
Who can request these investigations?
Workers' compensation carriers, self-insured employers, third-party administrators and attorneys representing them. They are not offered to injured workers or their representatives.
Do you decide whether a claim is fraudulent?
No. Delator reports facts and indicators. Any conclusion about fraud, and any referral, is made by the client or the authorities.
Is surveillance legal in Tennessee?
Delator's licensed investigators observe and record only what is visible from public places, without trespass or pretext. Clients with questions about how surveillance material may be used should consult their counsel.
Can you cover a claimant who lives in a rural county?
Yes. All 95 Tennessee counties are covered through the same dispatch network, with assignments scheduled around the claimant's known routine.
Deployed statewide
Request documentation anywhere in Tennessee
Dispatch is staffed around the clock. For time-sensitive scenes, calling is fastest; the request form works for routine and scheduled assignments.