Understanding the Role of Independent Medical Exams in Workers’ Compensation Cases

When you file a workers’ compensation claim, you expect medical care and wage benefits. But insurance companies want to control costs. One way they do this is by requesting an Independent Medical Exam (IME). Understanding the role of an IME in your case is important.

What Is an Independent Medical Exam?

An IME is a medical evaluation by a doctor chosen by the insurance company. This doctor does not treat you. Instead, they examine your injuries and issue a report. The goal is to assess your condition, treatment, and ability to work.

Why Do Insurance Companies Request an IME?

Insurance companies use IMEs to verify injury claims. They may request one if they think:

Your injury is not as severe as reported
You are not improving as expected
Your treatment is unnecessary or excessive
You can return to work sooner than your doctor suggests

An IME helps insurers justify reducing or denying benefits. If the IME doctor disputes your claim, your benefits may be at risk.

What Happens During an IME?

During the exam, the doctor will review your medical records and ask questions. They will examine you and test your physical abilities. The exam may feel brief, but the doctor will base their report on what they observe.

How Can an Independent Exam Impact Your Case?

The IME doctor’s report can carry significant weight. If they claim your injury is minor or unrelated to work, your benefits could be reduced. If they say you are ready to work, your wage benefits may stop. Courts often consider IME reports when deciding disputes.

Protecting Yourself During an IME

To protect your rights, follow these steps:

Be honest but brief when answering questions
Stick to facts about your injury and symptoms
Do not exaggerate or downplay your condition
Bring a list of your symptoms and how they affect daily life
Note what happens during the exam, including time spent and tests performed

What If You Disagree with the IME Report?

If the IME doctor downplays your injury, you can challenge their findings. You may need a second opinion from your own doctor. A workers’ compensation attorney can help gather medical evidence and argue your case.

Why Legal Help Matters

IMEs often favor insurance companies. If your benefits are reduced or denied, you need legal support. An attorney can challenge the IME report and fight for your rights.

Contact Shugarman & Mehring for Help

If you have concerns about an IME, you don’t have to face it alone. We understand workers’ compensation cases and we’ll will protect your rights and fight for the benefits you deserve. Call us today to schedule a consultation.