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Home | From Bob's Cluttered Desk | Disproving Workers Comp Fraud by Dying

Disproving Workers Comp Fraud by Dying

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Fraud is something that is discussed a great deal in our industry. Indeed, it is a matter of great concern, and at times is not pursued as aggressively as we might wish. Still, we occasionally come across a story that should serve as a lesson to us all; that allegations of fraud are simply that, and that improperly conducted investigations and false accusations of fraud can destroy innocent people's lives.

A man in Tampa, Florida recently demonstrated the potential pitfalls of misguided fraud prosecution, and he did so in the most dramatic way possible. He died from the condition he was accused of lying about.

That's one way to get out of your trial.

David Brownell's trial for insurance fraud was scheduled to begin December 2nd. He was arrested last November, accused of faking a respiratory illness and cheating the state of Florida. His claim was centered on exposure to rats and rat feces while he worked for the Glades Correctional Institution. He claimed that he developed breathing problems as a result of that exposure. The state accused him of misrepresenting his physical abilities, while collecting more than $2.7 million in benefits since 1995.

Video surveillance used against him showed that he was not oxygen-dependent as he claimed; this according to the Florida Department of Financial Services' Division of Insurance Fraud. They alleged he was able to play guitar in a band, attend a concert, drive and smoke cigarettes. His wife disputes that, saying the cigarette claim is patently false. Candace Brownell says, “He never smoked a day in his life”. She admitted that they did ”occasionally go out to dinner, drive, watch bands and [he] even played his guitar”, adding "We didn't realize they just expected you to lay in bed and die”.

At any rate, Brownell proved all the naysayers wrong by dying of lung failure on October 16, 2013. He had been diagnosed with idiopathic pulmonary fibrosis, and was recently placed on a waiting list for a lung transplant. He was 48 years old.

The state seems to have pinned his case largely on the claim that he required oxygen around the clock. They claimed in the arrest affidavit that “He told his treating physicians he needed oxygen 24/7”. Video evidence shows him functioning without his oxygen tanks. His wife, on the other hand disputes that, saying he did not need it 24/7, and in fact was following his doctors advice that it not be used in that manner.

His wife claims Brownell was targeted for what amounts to simple confusion and medical side effects. She also alleges that fraudulent methods were used to drum up a prosecution, saying "They edited the (surveillance) tapes and only showed ones of him without oxygen. Where's all the videotape of him with oxygen or throwing up in the front yard because he couldn't quite make it home — or all the trips to the hospital?" She also indicated most of the money over the years went to medical providers, while the state seemed to allege that he personally profited from the money.

I don't know all the details of the case, but I do find it disturbing. Also disturbing is the response of the agency responsible for the prosecution. Instead of simply issuing a statement extending sympathies, they seem to be attempting to justify pursuing legal charges against him, by saying, "The investigation was never about whether he was ill or not, but rather the contrast between how he was representing his physical limitations to doctors and what he was actually capable of doing."

That may be a valid point, but dying in a hospital while awaiting a lung transplant certainly casts a few aspersions on that view. Perhaps they would be better off pretending it never happened. Or they could pin their defense on the “idiopathic” portion of the diagnosis, since that indicates a disease of no known cause. In other words, he may have had what he said he had, but you can't prove it was us – it was simply an odd coincidence, and for that he should have spent up to 30 years in prison (that is what the charge could have resulted in). The state may claim that they were only pursuing differences in how he represented his limitations, but he was still ultimately charged with faking an illness that in the end resulted in his demise.

The video claims to me are the most disturbing point of the story. Proper video surveillance involves the entire experience cycle to get a true picture of what may be happening in a claimant's life. If indeed it is true that video was edited to exclude those actions lending credibility to the claimant then we have a bigger problem in this state. After all, you shouldn't have to die to prove your innocence in a matter.

I am not a “soft on fraud” guy.  I in no way support fraudulent activities. I condemn crooks and liars, and expect our authorities to hold fraudsters accountable for their actions.

I just don't expect similarly fraudulent actions to be used to pursue supposedly fraudulent claims.

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About "From Bob's Cluttered Desk"

Robert Wilson is President & CEO of, and "From Bob's Cluttered Desk" comes his (often incoherent) thoughts, ramblings, observations and rants - often on workers' comp or employment issues, but occasionally not.

Bob has a couple unique personality characteristics. He firmly believes that everyone has the right to his (Bob's) opinion, and while he may not always be right, he is never in doubt. Enter at your own risk, and like all of our blog areas, we encourage you to read the disclaimer at the bottom of the page.

We're not responsible for this guy.....

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Subscribe to comments feed Comments (3 posted)

Amy Arnold 10/31/2013 00:18:09
David Brownell was a close friend from 2001 through Oct 16, 2013 when he succumbed to lung failure. His life was riddled with pain and poor treatment by workers comp doctors. His entire life focused on survival. He is not a crook, and his life was probably shortened by the stress of these allegations. This is a case of an over zealous investigation that has ended with, essentially, an I-told-you-so! This case was started by an angry ex girlfriend making false allegations. I am so hurt by the loss of my dear friend. But the government should be ashamed of itself in the way this case was handled. Rest in peace, my dear friend.

Amy Arnold
Cecilia 01/07/2014 16:29:44
Amy, I am an injured worker who feels for the family. My employer (so I found out after I retained an attorney) has lied about how I was hurt. Since then, they have maimed and battered my body. I have been forced under anesthesia with a needle in my back pressed against the nerve next to my spine until I gave into anesthesia. I am hoping to open a web-site specifically for situations such as described in your article and such as mine and many many others.
I love being an American. It has afforded me the right to take a stand again insurance carrier's, their attorney's and employers who lie about the injured work and then delay and deny their treatment.
Lets work together on this.
Soon to come: "Workerscompfraudanditsparasites"
Deedless to say, the parasites are the employers who lie about the injured worker and their defense team - attorneys who help, insurance mills with the Doctors who in fact are willing to maim and batter the injured worker, etc.
Michael Reese 05/28/2015 16:35:05
Workers Compensation is supposed to rehab the worker to get him back to work. This only happens if the issue can be resolved with physical therapy, steroids and Ibuprofen, which only gives you temporary relief. The workers comp system is broken and serves no purpose in aiding the injured worker. The system is self serving and is regulated by profits, push the injured worker through the system as quickly and cheaply as possible. The worker wants to go back to work, the employer wants his employee back. Workers comp has let the American worker down leaving the worker victimized by a corrupt system. Workers shouldn't die from the system set up to protect them.
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