Vocabulary and grammar work

1. Write down the families of the following words:

technology, memory, to secure, to sense, to reside, to issue, to dive, to inform.

2. Explain the meaning of the following words in English and give the Ukrainian equivalents:

dumpster, mobster, imposter, criminal (n), issuer, commodity, foolproof,

commodity, technology.

3. Complete the table .

Noun	Verb	Adjective	Performer
fraud
	to issue
		investigative
			identifier
	to finance
success
	to consign
		organizational
tendency
			auditor
		assignable

4. Fill in the blanks with the proper words:

evidence, insurance bill, looting, estimates, avoid, multimillion-dollar, undetected, exaggerate, encourages, insurance companies

1. Insurance fraud is difficult to measure because so much goes ___________, and complete research has yet to be done.

2. Still, we have enough ____________ to know that fraud is widespread and expensive.

3. Healthcare fraud alone costs Americans $54 billion a year, the Coalition Against Insurance Fraud____________.

4. More than one third of people hurt in auto accidents ___________ their injuries.

5. This adds $13-$18 billion to America's annual ____________, notes a study by the Rand Institute for Civil Justice.

6. Nearly one third of doctors exaggerate the severity of a patient's illness to help the patient ___________ early discharge from a hospital

7. Most ______________ take a tough stand against fraud, but some companies unwittingly encourage fraud by paying suspicious claims too easily.

8. These companies believe it's cheaper to pay some smaller suspect claims than fight in court, and a quick payoff also may avoid ___________ lawsuits for bad faith.

9. The sheer number of patients and treatments plus complexity of billing attract cons that are skilled at ____________ our overworked health care system.

10.The pressure to control costs also _____________ many doctors or health firms to cheat so they can recoup lost profits or meet rigorous treatment quotas

5. Put the verbs in brackets into the proper tense forms.

1. The nation's improved fraud-fighting efforts (to work).

2. More insurance crooks (to convict) every year, and billions of dollars stolen from honest citizens and businesses (to recover).

3. Precise figures (to be) not available, but growing evidence ( to show) real progress on many fronts.

4. Consider: State fraud prosecutions ( to triple) over the last three years, according to a new study of state fraud bureaus by the coalition.

5. Healthcare insurers ( to save) policy holders more than $11 for every dollar spent fighting fraud, a 50-percent increase over 1995, the Health Insurance Association of America ( to note).

6. Fewer people believe it's OK (to inflate) insurance claims by small amounts (to recoup) their deductible or premiums.

7. Everyone ( to pay) for insurance fraud, and so everyone must ( to join) in stamping out these swindles.

8. Consumers, lawmakers, insurance companies, doctors, lawyers and many more must ( to be) part of the answer.

9. Insurance fraud ( to disappear) only when criminals ( to realize) fraud ( to be) a fast highway to jail, not an easy road to riches

10. Courts ( to get) tougher on convicted schemers, but too often jail sentences still ( to be) light, with courts often reserving space in overcrowded prisons for people convicted of more-violent crimes.