If you’re in the middle of a workers’ compensation claim, there’s a good chance you’ll be scheduled for what’s called an Independent Medical Examination, or IME. Despite the name, it’s not always as “independent” as it sounds. At Liberty Bell Workers Compensation, we know how critical it is to understand how IMEs work – and what they mean for your case, in order to protect your rights.
Let’s dive into what happens during an IME, how to prepare for it, and how a workers’ compensation attorney can help make sure the results don’t jeopardize your claim.
Why Are Independent Medical Exams Required?
IMEs are often requested by insurance companies or employers when there’s a dispute about your injury, your treatment, or your ability to return to work. While these exams are framed as unbiased evaluations, they’re typically conducted by doctors chosen (and paid) by the insurance carrier, not your personal physician.
That’s where things get tricky. The IME doctor may not have your best interests in mind. Their report can significantly influence your benefits, treatment options, and even whether your claim is approved or denied.
What to Expect During an IME
Walking into an IME without knowing what’s coming can feel like stepping into a pop quiz, one that could impact your financial future.
Here’s what usually happens:
- You’ll be asked questions about your medical history, how the injury occurred, and your current symptoms.
- The doctor may conduct a physical examination, possibly including range-of-motion tests or other assessments based on your injury.
- The exam is usually brief, often lasting less than 30 minutes.
It’s important to answer questions truthfully but carefully. You don’t want to exaggerate, but you also shouldn’t downplay your pain or limitations.
Fun fact: Some IMEs are conducted under video surveillance – sometimes even starting in the parking lot. Yes, you read that right. Insurance companies occasionally hire investigators to observe your behavior before and after the appointment, looking for signs that contradict your reported injuries.
How to Prepare Like a Pro
Preparing for an IME is about more than just showing up on time. It’s about being organized, composed, and aware of what’s at stake.
Start with these key steps:
1. Review Your Medical History
Go over your treatment records, especially related to your injury. Refresh your memory so your answers are consistent.
2. Be Honest – But Precise
Avoid going off on tangents. Stick to facts and give clear, concise answers. For example, say “I experience back pain when I sit for longer than 20 minutes,” rather than “I always feel horrible.”
3. Watch Your Behavior
From the parking lot to the waiting room, assume you might be observed. If you claim limited mobility but are seen jogging across the street, it could be used to challenge your claim.
4. Bring a Witness
If possible, take someone with you. They can serve as a witness if any part of the exam seems inappropriate or incomplete.
What the Doctor Says Matters – Even If You Disagree
After your exam, the IME doctor will submit a report to the insurance company. This report may support your claim – or it might state that your injury is exaggerated, unrelated to your job, or that you’re ready to return to work.
If the IME contradicts your treating physician’s opinion, it can seriously impact your workers’ compensation benefits. This is where legal help becomes essential.
How a Workers’ Compensation Lawyer Can Help
A skilled workers’ compensation attorney is your best defense against an unfair IME report. They can:
- Challenge the IME findings with additional medical evidence.
- Cross-examine the IME doctor if your case goes to a hearing.
- Ensure you are properly prepared for your IME and know your rights.
- Protect you from common traps and tactics used to deny claims.
In many cases, workers’ comp lawyers work on a contingency basis, meaning they don’t get paid unless you win or settle your case. So, there’s no financial risk in getting help. You can view the office location on the map below for convenience:
Interesting tidbit: The term “independent” in Independent Medical Exam is a bit of a misnomer. Studies have shown that IME doctors can be influenced by the party paying them – in this case, the insurance company. It’s like asking the referee to wear the other team’s jersey.
Know Your Rights Before You Go
IMEs can be intimidating, but they don’t have to be the downfall of your workers’ comp case. Preparation, awareness, and legal guidance go a long way in making sure your side of the story is heard and respected.
If you’re scheduled for an IME, don’t go in blind. Talk to a qualified workers’ compensation lawyer who can help you navigate the process, protect your benefits, and ensure you get the care and support you deserve.
After all, it’s your body. Your injury. Your future. And it deserves more than a 15-minute exam.
