Which type of fraud is Elizabeth committing by pretending to be injured at work?

The type of fraud Elizabeth is committing by pretending to be injured at work is classified as claimant fraud. This form of fraud occurs when an individual intentionally misrepresents or exaggerates a claim to receive benefits to which they are not entitled. In Elizabeth's case, by faking an injury, she aims to collect worker's compensation or other insurance benefits that she has not legitimately earned.

Claimant fraud typically involves actions such as false statements, fraudulent documentation, or deceptive behavior intended to mislead insurance companies or employers. This type of fraud can have significant financial implications for insurance providers as well as for employers, often leading to higher premiums and increased scrutiny of legitimate claims.

In contrast, other types of fraud mentioned are distinct in nature. Premium fraud refers to schemes where an individual misrepresents relevant information to lower their insurance premiums or obtain coverage fraudulently. Agent fraud involves an insurance agent's deceit, where the agent either steals money from clients or engages in unethical practices while managing insurance policies. Organized fraud typically involves coordinated efforts by a group of people to commit fraud, which is more extensive and complex than an individual act like Elizabeth's.