RATES AND EXPENSE CHARGES

INSURANCE CLAIM SERVICES

2 pages, latest update 8/01

Expenses Apply in Addition to The Rates Below in Most Cases


Claims investigation and Surveillance Service Rates:
Our standard hourly rate for investigation and surveillance work on insurance-related cases and cases for self funded risk management is $75 per hour. Local travel and reporting time is billed at the same rate as operational time.  The hourly rate includes all clerical costs.

Automatic Volume Discount:
An automatic volume discount applies, based on the volume of work received from the client company during the preceding month.

Multiple Cases Received and Worked Together:
Additionally, when handling a large number of cases from one client at the same time, we have developed an extremely cost-effective method of scheduling.  For instance, recently while handling a series of over thirty workers' compensation retiree update cases, the total cost for each case (including all expenses) was slightly less than $100, even on the cases located approximately 200 miles from our office.

We also offer a variety of flat rates and
The Best Flat RateSM.  These rates and geographical restrictions are indicated below:

Flat Rate Geographical Restrictions:
Flat Rate and The Best Flat RateSMservices are available, at present,  in the following geographical areas:

BAY COUNTY, CLINTON COUNTY,
EATON COUNTY, GENESEE COUNTY,
INGHAM COUNTY, LAPEER COUNTY,
LENAWEE COUNTY, LIVINGSTON COUNTY,
MACOMB COUNTY,  MONROE COUNTY,
OAKLAND COUNTY, SAGINAW COUNTY,
SHIAWASSEE COUNTY, ST. CLAIR COUNTY,
WASHTENAW COUNTY, WAYNE COUNTY


Flat Rate and The Best Flat RateSM Charges:
(The Best Flat RateSM differs from the standard Flat Rate only in that the rate is a maximum, not an absolute.  If it is calculated that the case would have been less costly on an hourly basis, taking into account proration with other matters, this lesser charge will apply.)

BASIC CLAIMS INVESTIGATIONS

Basics--$175
(Includes one visit to the claimant's neighborhood to conduct inquiries.  In the event no interviewees are available, a telephone data base search will be conducted and a follow up will be attempted by telephone.)
Basics Plus--$200
(Includes a [personal] search of the local circuit court criminal case index and civil litigation index, including a review and recap of up to three cases, followed by one visit to the claimant's neighborhood for inquiries.  In the event no interviewees are available, a telephone data base search will be conducted and a follow up will be attempted by telephone.)
Tracer-35SM--$35
(Basic on line data base search to confirm identification and develop