Reporting Fraud

We have zero tolerance for fraud; however, we can only investigate suspected fraud against Texas Mutual Insurance Company. If we cannot link a fraud tip to a Texas Mutual claim or policy, we will forward the information to the Texas Department of Insurance's fraud unit.

To report suspected fraud, email us at fraudstoppers@texasmutual.com, or call (800) 488-4488. FraudStoppersSM informants may earn a reward up to $1,000.

In your initial report, please provide:

  • Name and city of the claimant (injured worker), employer, health care provider, attorney, or medical facility you wish to report
  • Reasons you suspect fraud

Once we link your information to a Texas Mutual claim or policy, we may wish to contact you for additional information, especially if your report involves employee (claimant) fraud. Additional information might include a description of the claimant's:

  • Estimated height
  • Estimated weight
  • Hair color and length
  • Other distinguishing physical characteristics
  • Vehicle (approximate year, make/model, color and license plate, if possible)

We respect your right to remain anonymous; however, we have found that additional contact is usually necessary to effectively investigate a case. We keep all contacts and information you provide confidential. Unless you specify that we should not contact you, our Special Investigations Department will contact you to tell you the status of our investigation.

Reward information

Any person, except as restricted below, who contacts the FraudStoppersSM investigation team and gives information that leads to the arrest or indictment of any person for a crime against Texas Mutual Insurance Company (the 'Company') is eligible for a reward of up to $1,000. The following persons are not eligible for the reward: employees or contractors of the Company or members of their immediate families; commissioned law enforcement officers or members of their immediate families; owners, officers, and managers of a Company policyholder (unless the perpetrator is the policyholder, in which case officers and managers, but not owners, are eligible); and the perpetrators of the crime. Under special circumstances, where the purpose of the FraudStoppersSM program may best be served by so doing, the FraudStoppersSM committee may approve a reward where no arrest or indictment is or can be made. The FraudStoppersSM program will pay a maximum reward of $1,000 for each solved crime against the Company that results in an arrest or indictment. There is no minimum reward. The FraudStoppersSM committee, in its sole discretion, will determine the amount of the reward depending on the importance of the information given, as determined by the committee. If there are multiple informants, the committee will divide the reward among the informants in whatever proportions it deems appropriate, in its sole discretion. The committee's decisions are final and not subject to appeal. Informants will remain anonymous. The committee will identify each informant by assigning a code word and code number to the informant at the time of the initial contact.


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