TRENTON – Attorney General Gurbir S. Grewal and the Office of the Insurance Fraud Prosecutor today announced that a Bergen County man has been charged with insurance fraud and theft by deception in an alleged scheme to collect $17,048 in temporary total disability payment from his insurance company.

Ramdeo Ramsaran, 54, of Teaneck, was indicted on charges of second-degree insurance fraud and third-degree theft by deception in an indictment handed up by a state Grand Jury in Trenton on December 12.

According to the indictment, between August 2016 and July 2017 Ramsaran collected temporary total disability payments from Hudson Insurance Company by falsely claiming he was unable to work when, in fact, he was working.

Ramsaran allegedly made false statements and submitted, or caused to be submitted, fraudulent documents in support of that claim.

Second-degree crimes carry a sentence of five to 10 years in state prison and a criminal fine of up to $150,000; third-degree crimes carry a sentence of three to five years in state prison and a criminal fine of up to $15,000. The indictment is merely an accusation and the defendant is presumed innocent until proven guilty.

Deputy Attorney General Jennifer Menjivar presented the case to the Grand Jury. Detective Wendy Berg coordinated the investigation.  

Acting Insurance Fraud Prosecutor Thompson thanked Hudson Insurance Company for referring the matter to OIFP.

Acting Insurance Fraud Prosecutor Thompson noted that some important cases have started with anonymous tips. People who are concerned about insurance cheating and have information about a fraud can report it anonymously by calling the toll-free hotline at 1-877-55-FRAUD, or visiting the Web site at www.njinsurancefraud.org. State regulations permit a reward to be paid to an eligible person who provides information that leads to a conviction for insurance fraud.

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