Activity Checks are low cost, on-site investigations that can help determine if surveillance
appears warranted. During an Activity Check, an investigator spends a limited amount of time
in the area of the individual’s neighborhood, making an effort to speak with people familiar with the
subject’s daily activities.

Background Investigations are generally used to determine an individual’s history of
criminal activity and civil litigation. They are often used to successfully confirm or bring into question
one’s credibility, and are also an excellent tool to determine past fraud activity, accident/injury history,
and patterns of habitual litigation.

Initial AOE/COE investigations can assist claims handlers in a number of ways
as they determine the facts and circumstances surrounding an initial claim or injury. For example, these
investigations can provide information to help determine the compensability of a worker’s compensation
claim or help the examiner establish responsibility and set limits for liability claims with significant
exposure.

Surveillance is an on-site investigation which uses state of the art video equipment to develop and
document information concerning an individual’s degree of activity, physical health, appearance, and/or
employment.