Strategic Fraud Investigation & Claims Integrity Solutions
Insurance fraud and claims abuse continue to present serious financial and operational risks for insurers, self-insured organizations, municipalities, and corporate risk managers. Addressing these challenges requires more than routine investigation—it requires strategic intelligence, experienced investigators, and disciplined investigative methodology.
Hettrick, Cyr & Associates, Inc. (HC&A) provides advanced Special Investigations Unit (SIU) and fraud investigation services designed to assist organizations in identifying, investigating, and mitigating suspicious claims activity.
Through a combination of professional field investigations, advanced intelligence research, and analytical expertise, HC&A delivers investigative findings that help clients protect assets, support claims decisions, and combat insurance fraud.
Why Choose HC&A for Special Investigations Unit (SIU) & Fraud Intelligence Services
Investigative Intelligence & Fraud Detection
HC&A’s SIU investigators possess extensive experience conducting investigations involving suspicious claims, potential fraud schemes, exaggerated injuries, and undisclosed activities.
Our investigative approach combines traditional investigative techniques with modern intelligence gathering and analytical research, allowing us to uncover information that may not be readily apparent through routine claims handling processes.
We assist clients in identifying:
- Fraudulent or exaggerated injury claims
- Undisclosed employment or income
- Misrepresentation of physical limitations
- Organized or repeat fraud activity
- Undisclosed prior claims or litigation history
Each investigation is conducted with a focus on accuracy, objectivity, and evidentiary reliability.
Comprehensive SIU Investigative Services
HC&A provides a full range of SIU investigative services designed to support claims professionals and fraud prevention units.
Surveillance Investigations
Professional surveillance operations conducted by experienced investigators to document claimant activities and verify reported physical limitations.
Background Intelligence Investigations
Comprehensive background research including prior claims activity, litigation history, employment records, and relevant investigative intelligence.
Social Media & Open-Source Intelligence (OSINT)
Advanced analysis of publicly available digital sources to identify online activity that may contradict reported injuries or claims narratives.
Medical & Treatment Canvasses
Verification of medical treatment providers, prior medical history, and undisclosed treatment related to the claim.
Neighborhood & Witness Canvasses
Discreet interviews with neighbors, associates, witnesses, and employers to obtain relevant factual information.
Activity Checks
Field investigations designed to verify claimant residence, employment status, and daily activity patterns.
SIU Claim File Analysis
Professional review of claim files to identify indicators of potential fraud and determine whether SIU investigation is warranted.
Evidence-Based Investigations
HC&A investigations are conducted using structured investigative protocols designed to ensure findings are clear, well-documented, and defensible.
Investigative reports are prepared to support:
- Claims handling decisions
- Regulatory reporting requirements
- Insurance fraud bureau referrals
- Legal review and potential litigation
Our investigative documentation emphasizes accuracy, clarity, and evidentiary integrity.
Regulatory Compliance & Fraud Reporting
HC&A understands that SIU investigations must be conducted within the framework of state insurance regulations, fraud reporting requirements, and privacy laws.
Our investigators are experienced in preparing investigative documentation that supports fraud referral submissions and regulatory compliance requirements, while maintaining strict adherence to legal and ethical standards.
Advanced Investigative Resources
HC&A investigators utilize a broad range of investigative intelligence resources, proprietary research tools, and professional databases to support fraud investigations.
These resources allow our investigators to efficiently identify relevant information while ensuring compliance with privacy regulations and investigative best practices.
Integrated SIU Program Support
HC&A works closely with insurers, self-insured entities, and third-party administrators to develop integrated SIU investigative programs designed to strengthen fraud detection and investigative efficiency.
Our services may include:
- SIU case intake and coordination
- Pre-surveillance claimant intelligence profiles
- Strategic investigative planning
- Ongoing case status updates and reporting
- Secure investigative reporting systems
These programs enable clients to identify potential fraud earlier and respond strategically to suspicious claims activity.
Investigative Excellence
Organizations rely on Hettrick, Cyr & Associates when investigations must be conducted with precision, discretion, and professional integrity.
Our SIU investigators deliver timely, well-documented investigative findings that assist organizations in protecting their financial interests while supporting fair and responsible claims handling.
Contact HC&A
For additional information regarding HC&A’s Special Investigations Unit and fraud investigation services, please contact our office.
Our investigative professionals are available to assist your organization in addressing complex claims and fraud-related concerns.