Introducing the EUO Demand Indicators:
A Six-Part Series
Since 2008, we’ve conducted countless Examinations Under Oath (EUOs), and along the way, we’ve uncovered consistent patterns—what we now call EUO demand indicators. These are scenarios or behaviors that arise during the claims process, signaling when an EUO may be necessary.
While many claims professionals focus on fraud indicators, EUO demand indicators are different. They often go unnoticed because they don’t always suggest outright fraud. Instead, they may reflect efforts to manipulate a claim or prevent the company from fully understanding the situation.
What Are EUO Demand Indicators?
EUO demand indicators are patterns of behavior or circumstances that suggest an EUO might be needed to gather critical information. They are not inherently fraudulent but can signal:
- Potential Manipulation: Efforts by the insured or other parties to obscure the truth or steer the claim in their favor.
- Information Gaps: Scenarios where essential documentation or clarity is missing, hindering the claims process.
The more indicators present in a claim, the more likely it is that someone is attempting to manipulate the outcome.
Why Recognizing These Indicators Matters
In our experience, these indicators often emerge during the claims process but are overlooked because they don’t fit the standard fraud profile. However, recognizing them can help claims professionals:
- Identify when an EUO is necessary to resolve discrepancies.
- Uncover critical information that would otherwise remain hidden.
- Ensure claims decisions are based on a full understanding of the facts.
What to Expect in This Series
Over the next six articles, we’ll dive deep into the most common EUO demand indicators we’ve identified through years of conducting EUOs. Each article will focus on a specific indicator, providing examples, context, and actionable insights to help you recognize and address them in your claims handling.
Conclusion
EUO demand indicators are a powerful tool for claims professionals, offering a way to identify when an EUO is necessary, even in cases where fraud isn’t apparent. By understanding these indicators, you’ll be better equipped to gather the information and documentation needed to make informed claims decisions.
Ready to learn more? Stay tuned for the first part of this series, where we’ll explore the first EUO demand indicator in detail.
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Danny Vazquez
Danny Vazquez is the National EUO, LLC CEO.
Danny is a central leader on Claims, Investigations and EUOs in the insurance and legal industries.
As CEO, Danny took the knowledge and insights gained throughout his 25 plus years legal career to establish National EUO as the Nation's leading company on EUO services and EUO training.
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