Investigating Senior Scammers: Why Grandma Gets Away with Insurance Fraud

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Most people wouldn’t suspect a “senior citizen” of placing fraudulent claims. We think of this older demographic as kinder, more credible and honest than younger generations. So it’s not surprising that the insurance industry has overlooked investigating this demographic for fraudulent claims. However, in the last couple of decades there has been an increase in fraudulent claims made by seniors as a result of economic and sociological shifts. The Baby Boomer generation is the largest aging population in US history. Many either lost their retirement to failed 401k programs, the stock market crash, or simply due to poor planning. This has enticed some seniors to place fraudulent claims in order to supplement their retirement, and they shouldn’t be ignored. Join Christina Fiscella, insurance fraud investigator, trainer and speaker, as she discusses the unique characteristics of senior fraudsters and how to investigate them effectively.

Technology

Investigating Senior Scammers:
Why Grandma Gets Away with
Insurance Fraud
Christina Fiscella, P.I. FCLS

Objectives
• Identify the Trend – Historical attitude of Insurance
Industry relating to this demographic
• Socio- Economic Factors
• Identify common types of suspicious property claims
presented by this demographic
• Discuss indicators, motives and investigative techniques

The Insurance Industry
For years gave seniors a free pass on claims
Put blinders on and lacked awareness

The Insurance Industry
Sympathetic toward seniors
Credibility
A society brought up to “respect”
your elders

The Reality
People likely to cheat
in their 20’s, 30’s, and
40’s
Will do so in their
60’s, 70’s, and 80’s
55 and older
committing fraud now
more than ever

With any investigation- no one
demographic should be singled out
• All investigations must be handled with objectivity at
finding the truth based on the claim circumstances
• This is to bring understanding and awareness
• A developing trend among the older population placing
fraudulent claims

Aging Prison Population
Gives indicator that this older demographic may
be more willing to commit fraud

Fastest growing generation in U.S.
History

The 1950’s started a flood of new
policyholders

The Economic Shift and the
Force Behind the Trend
Bankruptcy up
65% ages 55-64
years 2002-2007 *
Working long after
retirement
Underfunded
Pensions & 401k
Real Estate crash
leaving no equity
Looming large
debt of the “have
it all” generation
Not enough
savings

Public Opinion and Perception of
Insurance Fraud

Public Fraud Perception
1/5 Seniors of the U.S. Population believe those
who commit insurance fraud won’t get caught.
“Journal of Insurance Fraud of America”

Mysterious Disappearance
Express theirExpress their
adult childrenadult children
don’t want ordon’t want or
need theirneed their
jewelry or fursjewelry or furs
Low risk – lowLow risk – low
detailed claimdetailed claim
Blame poorBlame poor
memory relatedmemory related
to their age –to their age –
yet do notyet do not
exhibit memoryexhibit memory
issuesissues

Mysterious Disappearance
Easy to blame contractorsEasy to blame contractors
and housekeepersand housekeepers
Sometimes they will revealSometimes they will reveal
they no longer want thethey no longer want the
item and would rather haveitem and would rather have
the cashthe cash

Arson
Property viewed
as a problem
Repairs and lost
equity
Deteriorating
neighborhoods

Motives
Pay off
credit
card debt
Health
care
Housing –
need for
assisted
living
Continue
to support
a lavish
lifestyle

The Interview
• No Retirement Savings
• Credit debt but claims in
good standing
• Mortgage is paid for
• Admitts helping adult son
financially
• Little knowledge of wife’s
prior jewelry claims
• Nearly died in the hospital
• Advised they have a
reverse mortgage
• Admitted financial
problems
• Wanted to upgrade her
diamond
• Discussed the Mercedes
and how she only got one
with the “basics”
Mr. G Mrs. G

Christina Fiscella, FCLS, P.I.
Connect:
cfiscella1@comcast.net
856-404-2893
Independent Investigator, Consultant & Trainer
Specializing in Insurance Fraud Investigations and Anti-Fraud Training
Questions about i-Sight:
Joe Gerard, CEO
j.gerard@i-sight.com
Thank-you for participating

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Welcome to ViralQR, your best QR code generator available on the market! At ViralQR, we design static and dynamic QR codes. Our mission is to make business operations easier and customer engagement more powerful through the use of QR technology. Be it a small-scale business or a huge enterprise, our easy-to-use platform provides multiple choices that can be tailored according to your company's branding and marketing strategies. Our Vision We are here to make the process of creating QR codes easy and smooth, thus enhancing customer interaction and making business more fluid. We very strongly believe in the ability of QR codes to change the world for businesses in their interaction with customers and are set on making that technology accessible and usable far and wide. Our Achievements Ever since its inception, we have successfully served many clients by offering QR codes in their marketing, service delivery, and collection of feedback across various industries. Our platform has been recognized for its ease of use and amazing features, which helped a business to make QR codes. Our Services At ViralQR, here is a comprehensive suite of services that caters to your very needs: Static QR Codes: Create free static QR codes. These QR codes are able to store significant information such as URLs, vCards, plain text, emails and SMS, Wi-Fi credentials, and Bitcoin addresses. Dynamic QR codes: These also have all the advanced features but are subscription-based. They can directly link to PDF files, images, micro-landing pages, social accounts, review forms, business pages, and applications. In addition, they can be branded with CTAs, frames, patterns, colors, and logos to enhance your branding. Pricing and Packages Additionally, there is a 14-day free offer to ViralQR, which is an exceptional opportunity for new users to take a feel of this platform. One can easily subscribe from there and experience the full dynamic of using QR codes. The subscription plans are not only meant for business; they are priced very flexibly so that literally every business could afford to benefit from our service. Why choose us? ViralQR will provide services for marketing, advertising, catering, retail, and the like. The QR codes can be posted on fliers, packaging, merchandise, and banners, as well as to substitute for cash and cards in a restaurant or coffee shop. With QR codes integrated into your business, improve customer engagement and streamline operations. Comprehensive Analytics Subscribers of ViralQR receive detailed analytics and tracking tools in light of having a view of the core values of QR code performance. Our analytics dashboard shows aggregate views and unique views, as well as detailed information about each impression, including time, device, browser, and estimated location by city and country. So, thank you for choosing ViralQR; we have an offer of nothing but the best in terms of QR code services to meet business diversity!

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Investigating Senior Scammers: Why Grandma Gets Away with Insurance Fraud

1. Investigating Senior Scammers: Why Grandma Gets Away with Insurance Fraud Christina Fiscella, P.I. FCLS

2. Objectives • Identify the Trend – Historical attitude of Insurance Industry relating to this demographic • Socio- Economic Factors • Identify common types of suspicious property claims presented by this demographic • Discuss indicators, motives and investigative techniques

6. The Insurance Industry For years gave seniors a free pass on claims Put blinders on and lacked awareness

7. The Insurance Industry Sympathetic toward seniors Credibility A society brought up to “respect” your elders

8. The Reality People likely to cheat in their 20’s, 30’s, and 40’s Will do so in their 60’s, 70’s, and 80’s 55 and older committing fraud now more than ever

10. With any investigation- no one demographic should be singled out • All investigations must be handled with objectivity at finding the truth based on the claim circumstances • This is to bring understanding and awareness • A developing trend among the older population placing fraudulent claims

11. Aging Prison Population

12. Aging Prison Population Gives indicator that this older demographic may be more willing to commit fraud

13. The Generation that started the trend

14. Fastest growing generation in U.S. History

15.

16. The 1950’s started a flood of new policyholders

17. The Boomer Generation core values

18. Didn’t plan for the future

19.

20.

21.

22. The Economic Shift and the Force Behind the Trend Bankruptcy up 65% ages 55-64 years 2002-2007 * Working long after retirement Underfunded Pensions & 401k Real Estate crash leaving no equity Looming large debt of the “have it all” generation Not enough savings

23. Believed there would be security

24. Spending Style

25.

26.

27. Public Opinion and Perception of Insurance Fraud

28. Public Fraud Perception 1/5 Seniors of the U.S. Population believe those who commit insurance fraud won’t get caught. “Journal of Insurance Fraud of America”

29. Senior Perception of Fraud

30. Common Property Claims and Motives

31. Mysterious Disappearance

32. Mysterious Disappearance

33. Mysterious Disappearance Express theirExpress their adult childrenadult children don’t want ordon’t want or need theirneed their jewelry or fursjewelry or furs Low risk – lowLow risk – low detailed claimdetailed claim Blame poorBlame poor memory relatedmemory related to their age –to their age – yet do notyet do not exhibit memoryexhibit memory issuesissues

34. Mysterious Disappearance Easy to blame contractorsEasy to blame contractors and housekeepersand housekeepers Sometimes they will revealSometimes they will reveal they no longer want thethey no longer want the item and would rather haveitem and would rather have the cashthe cash

35. Arson Property viewed as a problem Repairs and lost equity Deteriorating neighborhoods

36. Arson Outbuildings Garages Sheds

37. Motives

38. Motives Pay off credit card debt Health care Housing – need for assisted living Continue to support a lavish lifestyle

39. Motives

40. Motives

41. Investigative Techniques

42. Death’s Door Step

43. Death’s Door Step

44.

45. The Interview • No Retirement Savings • Credit debt but claims in good standing • Mortgage is paid for • Admitts helping adult son financially • Little knowledge of wife’s prior jewelry claims • Nearly died in the hospital • Advised they have a reverse mortgage • Admitted financial problems • Wanted to upgrade her diamond • Discussed the Mercedes and how she only got one with the “basics” Mr. G Mrs. G

46. The Good Doctor

47. The Voice

48. Christina Fiscella, FCLS, P.I. Connect: cfiscella1@comcast.net 856-404-2893 Independent Investigator, Consultant & Trainer Specializing in Insurance Fraud Investigations and Anti-Fraud Training Questions about i-Sight: Joe Gerard, CEO j.gerard@i-sight.com Thank-you for participating

Investigating Senior Scammers: Why Grandma Gets Away with Insurance Fraud

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