| Workers Compensation costs are a crisis
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| | And this is why they provide extra low
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| for US businesses today. Many states
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| | gearing on the vehicles recommended for
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| have passed major reforms to try to ease
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| | this road. Thank goodness I had all the
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| the burden on businesses. One reason
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| | film I needed, because it was now
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| Workers Comp costs are so high is because
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| | necessary, actually vital, that I
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| of fraud. Some people claim they are
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| | concentrated on bringing my rental
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| completely disabled, and collect monthly
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| | vehicle back instead of leaving it
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| disability checks, when they are actually
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| | several thousand feet down the vertical
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| completely able to work or do other
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| | cliff on the right.
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| physical activity. Insurance fraud is
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| | "After a few miles, I was thinking that
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| against the law, and it hurts everyone by
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| | I was getting the hang of this and would
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| raising insurance premiums.
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| | live until tomorrow. Then, while
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| ( sponsored by independent
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| | negotiating a small stream that crossed
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| investigators David Morse & Associates,
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| | the mule trail and drops off the edge
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| gives information and resources on how to
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| | into oblivion, I got a flat tire. As I
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| fight insurance fraud. The site also
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| | got out of the vehicle and stepped into 6
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| features stories of successful
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| | inches of freezing cold water, I realized
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| investigations that have resulted in the
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| | that I was still suffering from oxygen
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| bust of a fraud perpetrator. And when a
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| | deprivation, quickly found a place to sit
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| fraud perpetrator is busted, that helps
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| | down as far from the edge as possible and
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| to bring insurance premiums down.
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| | put my head between my knees.
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| Over the years, David Morse & Associates
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| | "For those of you who have not
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| investigators have been led on many
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| | experienced the attempt to breathe at
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| unusual excursions by subjects in the
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| | 12,000 feet above sea level, let me give
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| course of their personal activities,
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| | you a brief description. The body feels
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| unaware that they had investigative
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| | very heavy, there are pains everywhere,
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| company. But this case exceeds all
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| | particularly the head and heart, and one
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| others in both altitude and difficulty.
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| | wonders how a function like breathing
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| Fraud Busting at 12,000 Feet
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| | that one took for granted suddenly became
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| Andy Schwarz, Investigations Manager Los
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| | an Olympic competition.
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| Angeles
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| | "After some minutes of sitting there it
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| "Our subject had been collecting
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| | came to me that I had to change this
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| benefits for some time based on his
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| | tire. But I was too exhausted to even
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| assertion of total disability. I started
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| | look for the jack, let alone get it out
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| in Denver at the subject's address.
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| | of the car. Slowly it dawned on me that I
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| Turned out his wife was there, but the
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| | was in trouble and toward the end of
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| male individual we got on film was not
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| | afternoon it is going to get really,
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| the subject. Too bad we weren't doing
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| | really cold. Just then another off road
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| divorce work - I could have closed the
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| | vehicle came down the hill and stopped.
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| file.
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| | The driver and passengers offered to help
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| "A canvass of the neighborhood turned up
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| | which I thankfully accepted. They changed
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| the fact that the subject was living in
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| | my tire and cheerfully sent me on my way
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| the mountains five hours west of Denver.
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| | down in front of them.
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| I arrived late that afternoon and
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| | "It seemed like the worst must be over.
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| immediately obtained film of the subject
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| | But then I hit the switchbacks, hairpin
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| working under an old car, crouching,
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| | turns in the road as it snakes down a
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| crawling, bending and lifting objects of
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| | place where no road should ever go. I
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| varying weight and size. Our subject was
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| | made the first, but on the second I went
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| looking pretty spry.
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| | into it just a hair too fast and the back
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| "I quit at dusk and return the next
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| | end of the jeep got loose, finding gravel
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| morning. Our subject and friends depart
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| | over near the edge. The hair on my arms
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| in a jeep and head out of town. And then
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| | was standing straight up as I planned a
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| uphill, a very steep hill on a very old
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| | leap from the jeep - and then it stopped.
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| and tattered dirt road. Fortunately the
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| | Even after catching my breath, no easy
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| subject and myself were not the only ones
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| | task at this altitude, I could not bring
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| putting our vehicles through their paces
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| | myself to start back down.
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| on this mountain trail, and I could
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| | "My benefactors from the tire changing
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| follow without appearing out of place.
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| | in the stream showed up moments later.
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| "I had rented a jeep for this assignment
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| | From the position of the jeep and my very
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| and I was thinking that was a
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| | pale complexion, they know exactly what
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| particularly brilliant move on my part. I
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| | happened. An older gentleman from the
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| found out later that standard issue jeeps
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| | party took control, offered to drive me
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| and other 4-wheel-drive models are not
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| | down the hill, and I was saved. It was
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| recommended for this trail, only vehicles
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| | during this part of the trip that I
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| fitted with special protective plates
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| | learned we have just crossed Black Bear
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| underneath and special low gearing in
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| | Pass, one of the more difficult off-road
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| order to ease wear and tear on the brakes
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| | adventures available in the United
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| coming down. But as we started up I was
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| | States, and one which kills four or five
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| oblivious to my under-equipped condition.
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| | people every year. I learned about the
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| "As we proceeded the road was getting
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| | modifications made to vehicles to be used
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| worse but I was getting great film of the
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| | in such adventures. And of course I
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| subject's vehicle performing superbly in
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| | learned a lot about my benefactors, a
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| difficult conditions and rattling its
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| | family that makes the trek twice a year
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| contents (including the subject)
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| | and has been doing so for 15 or 20 years.
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| severely. I got film of stops at
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| look-outs and our subject's confident
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| | "Someone put the oxygen back into the
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| maneuvers on foot over, around and on
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| | air and I found my disposition remarkably
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| large rocks.
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| | improved. I was alive and without broken
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| "The road was now a mule trail with a
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| | bones, and the pains in the head and
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| sheer drop off on one side, cliffs on the
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| | muscles were distant memories. The car
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| other. It was getting very cold and I was
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| | rental company did not notice the
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| having trouble with the thin air. Turning
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| | permanent indentations my fingers left in
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| the wheel felt like hauling a
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| | the steering wheel. Life is good. Best of
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| hundred-pound sack from side to side.
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| | all, I had film and the subject is well
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| "Just when I thought conditions cannot
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| | and truly busted."
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| get worse, they did. We started down
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| | Another victory for truth, justice and
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| hill. It turns out that going up was a
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| | lower insurance premiums.
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| walk in the park compared to going down.
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