Home Visit & Benefits Verification
Field checks on claimant residency, disability status, and lifestyle consistency. Run by licensed investigators, with a written field report and photographic evidence for health insurers, benefit administrators, and HR departments.
About This Service
Benefits verification is the work of confirming, in person and on the ground, that what a claimant has said about their situation actually matches the benefit or indemnity they are receiving. Exero Claims runs these visits for health insurers, occupational health providers, social benefit administrators, and HR teams handling long-term absence cases.
The scope of each visit is set by the client's question. Is the claimant living at the declared address? Does the claimant's mobility match the declared disability? Does the lifestyle match the financial picture given to the benefit provider?
A field visit at the right point in a claim often answers questions that medical records on their own cannot. Our investigators carry out these visits quietly, lawfully, and with full documentation.
How It Works
- 01
Case Brief and Address Verification via OSINT
The client's referral is reviewed, the declared address is verified against open-source intelligence, and a visit plan is prepared that answers the specific verification question.
- 02
Field Observation and Visit
A licensed investigator conducts discreet observation and a visit from public spaces only. No contact is made without explicit client instruction. All activity is conducted within the bounds of lawful access.
- 03
Lifestyle Consistency Assessment
The investigator documents observable mobility, activity, household environment, and any indicators that are consistent or inconsistent with the declared condition and benefit eligibility.
- 04
Report and Documentation within 48 hours
Findings are compiled into a structured field verification report with photographic documentation, GPS and timestamps, residency confirmation, and a clear conclusion. Delivered within 48 hours of visit completion.
Who This Service Is For
What Clients Receive
- Field verification report with structured findings
- Photographic documentation with GPS and timestamps
- Residency confirmation or documented absence
- Lifestyle and mobility observations
- Chain of custody for all exhibits
- Report within 48 hours of visit completion
Frequently Asked Questions
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