March 14, 2025 1:46 am
When you’re injured and file a Workers Compensation claim, you might be asked to attend an Independent Medical Examination (IME). Despite the name, these exams are typically far from independent.
IMEs are ordered and paid for by insurance companies, which often select doctors who may provide opinions that favor the company’s interests rather than offering a genuinely unbiased medical assessment.
Many people don’t realize they have specific rights during the IME process. These exams can significantly impact your claim, potentially reducing or eliminating your benefits if the doctor concludes your injuries aren’t as severe as claimed or unrelated to the incident in question.
An Independent Medical Examination (IME) is a medical assessment performed by a physician who does not have a treatment relationship with the patient.
Despite its name suggesting neutrality, these examinations are typically requested by insurance companies or employers rather than patients themselves.
The primary purpose of an IME is to assess a person’s medical condition from a supposedly objective viewpoint. Despite the name of the exam, the viewpoint is rarely objective.
These examinations are commonly used to evaluate disability claims, workers’ compensation cases, or personal injury lawsuits.
Insurance companies often request IMEs to determine if a claimant’s medical condition qualifies for benefits or continued coverage.
The doctor conducting the IME will review medical records, perform an examination, and provide an opinion about:
The results can significantly impact a person’s access to benefits, treatment options, and financial support during recovery.
IMEs are typically requested by insurance companies, employers, or legal representatives—not by patients themselves. The requesting party also selects and pays the examining physician.
Common entities that request IMEs include:
It’s important to understand that while the examination is called “independent,” the physician performing it is chosen by the insurance company and paid by them.
This arrangement has raised questions about potential bias in some situations.
IMEs are fundamentally different from typical doctor appointments in several key ways. Understanding these differences helps patients prepare properly for the experience.
Unlike regular medical visits, the doctor performing an IME does not establish a doctor-patient relationship with the person being examined. This means the doctor has no duty of care or treatment obligation.
Other significant differences include:
The IME physician will submit a detailed report to the person who requested the examination. The report may include medical opinions that differ from those of the patient’s treating physicians.
Despite their name, Independent Medical Examinations often lack true independence. The reality is that these exams frequently favor the entities that request and pay for them, creating an inherent conflict of interest. Sometimes the doctor will only see you for five minutes, then write a lengthy report as if you spent an hour in their presence. I have personally seen reports on several patients by the same doctor which were practically identical.
Insurance companies hire and pay IME doctors, which naturally creates a relationship that can influence outcomes.
These companies select doctors who tend to provide opinions favorable to their interests. This financial arrangement undermines the “independent” nature of these exams.
Many IME physicians receive substantial income from insurance companies. This ongoing business relationship can put pressure on physicians to provide reports that help insurers reduce or deny claims.
Employers and insurance carriers choose the IME doctor in workers’ compensation cases. IME physicians work for the defense, not for the injured person. This arrangement can lead to the doctor’s loyalty being influenced by the party covering their fees.
If you’re dealing with an IME and need solid legal guidance, Morrison Law Firm P.L.L.C. is here to help. Schedule your consultation and ensure your rights are fully protected.
If you’re ready to get started, call us now!
Independent Medical Exams (IMEs) can be stressful experiences for many people. Knowing what happens before, during, and after can help you feel more prepared and confident.
Preparation is key when facing an Independent Medical Exam. Begin by gathering all relevant medical records and information about your condition.
List your symptoms, limitations, and how your injury affects your daily life.
It’s advisable to arrive early to your appointment, typically 15-20 minutes beforehand. This gives you time to complete any paperwork and collect your thoughts.
Dress comfortably but appropriately. Wear clothing that allows the doctor to examine your injury easily, if necessary.
Many people find it helpful to bring someone with them for support, though this person usually cannot accompany you into the actual examination room.
The examination itself typically lasts 30 minutes to an hour. The doctor conducting the IME works for the insurance company and is looking for reasons to minimize your injury claims.
Be honest but careful with your answers. Don’t exaggerate symptoms, but don’t downplay them either.
The doctor may ask about:
Physical examinations often include a range of motion tests, strength assessments, and other relevant tests specific to your injury. These may cause some discomfort, but inform the doctor if anything causes severe pain.
After the examination, the doctor compiles the findings into an IME report. This report typically takes 1-2 weeks to complete and is sent to the requesting party, usually the insurance company.
You have the right to request a copy of this report through your attorney or directly from the insurance company.
Review it carefully for any inaccuracies or misrepresentations of what you told the doctor.
If you disagree with the findings, discuss this with your attorney immediately. In some cases, you may be able to challenge the IME results or request another examination.
Keep track of any changes in your symptoms or condition after the exam. This information could be useful if disputes arise about the IME findings.
This can be crucial if the report later contradicts what actually happened.
Maintain a consistent medical narrative between your treating physicians and the IME doctor. Significant discrepancies can hurt your claim.
Answer only what is asked and avoid volunteering additional information. Be polite but cautious during the examination.
If possible, maintain a positive attitude during the exam while still being honest about your limitations.
Remember that everything, from your walking style to how you sit in the waiting room, may be observed and noted.
Insurance companies often employ certain strategies during Independent Medical Examinations (IMEs) to minimize your claim.
These tactics can significantly impact your case outcome if you’re unprepared for them. Being aware of these common approaches helps protect your rights.
Doctors conducting IMEs may use questions designed to trap you into minimizing your injuries.
They might ask seemingly innocent questions like “You’re feeling better today, aren’t you?” or phrase inquiries in ways that suggest your pain isn’t severe.
These professionals might also ask about your daily activities in ways that paint an incomplete picture. For example, they might ask if you can drive but won’t ask how painful it is or how long you can sit before needing to stop.
How to respond:
Be especially cautious when doctors ask questions designed to trip you up about your condition.
During IMEs, doctors often conduct physical examinations that may not accurately represent your condition. These tests might be brief, incomplete, or performed differently than those done by your regular physician.
The doctor might observe you before the official examination begins. They may watch you walk from the waiting room or note how you sit or move when you think you’re not being evaluated.
Some doctors perform quick tests that don’t fully capture chronic conditions or injuries that fluctuate in severity. For example, they might have you bend or stretch once without testing your ability to repeat movements.
Be aware that:
IME doctors frequently minimize the severity of injuries or attribute them to pre-existing conditions.
They may suggest your symptoms are psychological rather than physical or claim you’re exaggerating.
In their reports, these doctors might use medical terminology that makes your injury sound less severe. They could also emphasize improvement while ignoring ongoing symptoms.
Another common tactic is creating an illusion of truth by repeatedly suggesting your injury is minor, hoping you’ll begin to doubt yourself.
Watch for these signs:
An unfavorable IME report can affect your benefits. Let Morrison Law Firm P.L.L.C. guide you through the process and help you get the support you need. Contact us now.
If you’re ready to get started, call us now!
Independent Medical Examinations (IMEs) can significantly impact your case. Taking specific actions at each stage helps protect your interests and ensures fair treatment.
Prepare thoroughly for your Independent Medical Examination by reviewing your medical history and symptoms. List all medications, treatments, and doctors you’ve seen. It is crucial to be able to explain your condition.
Understand why the IME was ordered and who requested it. This will help you understand what the doctor might be looking for during the examination.
Practice your responses to common questions, but don’t memorize scripts. Be ready to describe how your injury affects daily activities.
Consider bringing a trusted friend or family member with you as a witness. They can take notes and observe the appointment.
Check if you have the right to record the examination or bring someone with you. Laws vary by location, so confirm your rights beforehand.
Be punctual and dress appropriately for your appointment. First impressions matter, even in medical settings.
Answer questions honestly, but don’t volunteer extra information. Stick to what you’re asked and be concise in your responses.
Pay attention to the doctor’s questions and examination methods. Note how long the examination takes and what tests are performed.
Important warning: Be aware that anything you say to the IME doctor can be used in your case. The doctor works for the insurance company, not you.
If asked to sign any forms, read them carefully. You have the right to refuse to sign documents you don’t understand or agree with.
Write down everything you remember from the examination as soon as possible. Include questions asked, tests performed, and how long the appointment lasted.
Be mindful that surveillance might continue after your examination. Insurance companies sometimes monitor activities after IMEs to check for inconsistencies.
You can request a copy of the IME report through the proper channels. Then, review it carefully for any errors or misrepresentations of your statements.
Consider getting a second opinion from your treating physician if the IME report contradicts your diagnosis. This creates a counter-record to challenge potential discrepancies.
Discuss the IME results promptly with your attorney if you have one. They can help determine the next steps based on the findings.
Facing an Independent Medical Examination can be intimidating, but having skilled legal counsel can significantly protect your rights and ensure fair treatment throughout the process.
A skilled attorney provides crucial guidance before, during, and after an IME. They prepare you thoroughly by explaining what to expect and how to respond to questions without compromising your case.
This preparation helps prevent common pitfalls that could damage your claim.
When legal representation is present, insurance companies and their doctors are often more careful about conducting fair examinations.
In some jurisdictions, your attorney can request that the IME be recorded or that they attend the examination with you.
If an IME report contains errors, mischaracterizations, or unfair conclusions, your attorney can effectively challenge it. They may:
Perry Morrison and his. team have extensive experience dealing with insurance companies and their IME tactics. They review your medical records thoroughly before any examination to identify potential issues an IME might target.
Their attorneys accompany clients to IMEs whenever possible, ensuring proper procedures are followed. This presence alone often prevents the most egregious examination issues.
Morrison Law utilizes a network of respected medical professionals when disputing unfavorable IME reports.
They can provide counter-opinions that support your claim. They understand how to challenge biased findings effectively through formal legal channels.
The firm’s attorneys also aggressively negotiate with insurance companies. They do this when IME results appear skewed or unfair. This often leads to favorable settlements without lengthy litigation.
Preparing for an IME? Morrison Law Firm P.L.L.C. can provide the legal support you need to navigate this critical step in your claim. Contact us to learn more!
What Is an Independent Medical Examination (IME)?
An Independent Medical Examination (IME) is a medical evaluation requested by insurance companies, employers, or the court to assess an individual’s injury or disability. It provides an objective opinion on the medical condition, treatment needs, and ability to work.
Why Are IMEs Required for Workers’ Compensation Claims?
IMEs are often required in workers’ compensation cases to verify the extent of an injury, determine if it is work-related, and assess eligibility for benefits. The examination helps insurers or employers validate claims and manage costs.
Can You Refuse an Independent Medical Examination?
Refusing an IME can negatively impact your workers’ compensation or disability claim. In many states, including North Carolina, refusal may result in a suspension of benefits or a denial of the claim. It’s essential to consult an attorney before making this decision.
What Should You Expect During an IME?
During an IME, a doctor will review your medical history, ask questions about your injury, and conduct a physical examination. The IME doctor is not your treating physician and is often hired by the insurance company, so remain honest and consistent in your responses.
How Can an IME Affect Your Workers’ Compensation Benefits?
An IME can significantly impact your claim. If the IME report contradicts your treating doctor’s opinion, it could lead to reduced or denied benefits. Having legal representation can help challenge biased or inaccurate IME reports.
What Are Your Rights During an IME?
You have the right to bring a witness, take notes, and request a copy of the IME report. You are also entitled to a fair and unbiased examination. An attorney can help protect your rights and ensure the IME process is conducted properly.
How Do You Prepare for an Independent Medical Examination?
To prepare for an IME, review your medical history, be honest about your symptoms, and avoid exaggerating or downplaying your condition. Document your experience during the exam, which can help if you need to dispute the findings later.
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