Which of the following is a type of workers' compensation fraud scheme?

Workers' compensation fraud schemes can take multiple forms, each representing different aspects of the workers' compensation system where dishonest practices may occur.

Premium fraud happens when employers misrepresent their payroll or the nature of their business to lower their workers' compensation premiums. This form of fraud ultimately leads to an unfair financial advantage, as these employers pay less than they should for insurance, potentially harming the solvency of the insurance system.

Agent fraud refers to dishonest actions by agents or brokers within the workers' compensation industry. This can involve agents misrepresenting the insurance policies they sell or committing fraudulent activities to benefit themselves financially at the expense of clients and insurers.

Claimant fraud occurs when an employee fabricates or exaggerates an injury or illness to claim benefits they are not entitled to receive. This could involve staging an accident or falsifying medical documentation, exploiting the workers' compensation system for personal gain.

Since all of these types represent distinct schemes used within the context of workers' compensation fraud, the broadest answer encompasses all of them. Each type of fraud contributes to the larger issue of fraud within the workers' compensation system, ultimately affecting both employers and the insurance industry. Thus, the correct answer encapsulates the entirety of these fraudulent behaviors.