What To Expect From An Independent Medical Examination (“IME”)
At any stage of the long term disability claim process, your insurer may schedule you for an Independent Medical Examination (also known as an “IME”). An IME is an examination done by a physician of the insurer’s choosing. The IME physician will then write a report for your insurer evaluating your condition and stating whether you are capable of working.
Despite the name, IME physicians are not truly independent or neutral. Many IME physicians perform hundreds to thousands of examinations for the insurer on an annual basis, meaning they are effectively on the insurer’s payroll. As a result, they have an incentive to discredit your disability.
However, there are steps you can take to prepare yourself before, during, and after an IME.
Below we’ll answer common questions regarding IMEs and long term disability insurance claims.