Claimant reports a lifting injury at the Apex dock

Unwitnessed lower-back injury reported while lifting a pallet — the basis for the indemnity claim.

Claim C-7731 opened; weekly indemnity benefits begin

First report of injury filed against Apex; Keystone Mutual begins paying total-disability indemnity.

Independent medical exam finds full work capacity

IME reports no objective lumbar deficit, contradicting the treating physician's total-disability certification.

Surveillance films the claimant roofing for Ridgeline

Claimant recorded carrying shingle bundles, climbing a ladder, and operating tools at a Ridgeline job site.

Deposit records show Ridgeline checks during benefit weeks

Recurring deposits drawn on Ridgeline land in account ∗∗∗∗3390 in the same weeks indemnity was paid.