Our experience investigating thousands of cases and our ability to adapt to the ever-changing laws impacting our clients gives APEX the leading edge in defending frivolous, exaggerated or fraudulent claims. This translates into remarkable results, which ultimately means millions of dollars saved.

Insurance fraud costs employers more than $80 billion every year. What exactly is insurance fraud? Each state defines the term differently, but fraud generally happens when someone intentionally deceives another about an insurance matter to receive money or other benefits not rightfully theirs. To prove insurance fraud, we look at four distinct factors: Material, Intent, Lie and Knowledge, or M.I.L.K. A sound case has evidence to substantiate each of the factors.