Insurance Company Independent Medical Examination
An independent medical examination ime exam is neither independent nor medical the doctor is selected by an insurance company.
Insurance company independent medical examination. What is an independent medical exam ime. The outcome of these exams called independent medical examinations imes in most states can significantly affect your workers comp case and how much you ll receive in benefits. In our experience these exams are often anything but independent some insurance companies hire the same doctors over and over again to conduct examinations. To do this it may order an examination with an allegedly independent doctor.
What is an independent medical examination. When a policy holder makes a claim for personal injuries with an insurance company the insurer may have a right to order an independent medical examination. So it s important to know how they work and what you can do to counter an ime report that goes against your claim or benefits. In some circumstances insurance companies are permitted to require a person seeking statutory accident benefits to undergo an independent medical examination.
Doctors are paid handsomely for providing this service. Workers compensation insurance carriers auto insurance carriers and self insured employers have a legal right to this request. In other circumstances insurance companies demand an examination simply to delay paying what they owe or as a trap for the unwary patient so the insurer can avoid paying altogether. Are you surprised that most often the insurance company doctor offers opinions favorable to the insurance.
7031 koll center pkwy pleasanton ca 94566 if you re making a personal injury claim you could be required to submit to an independent medical examination ime if your own insurer like your car insurance company requests it or if you file a personal injury lawsuit. This process is referred to as an independent medical. What to do if the insurance company schedules an independent medical examination in a workers compensation case. An independent medical examination may be conducted at the behest of an employer or an insurance carrier to obtain an independent opinion of the clinical status of the individual.
Imes are an independent evaluation of your medical condition conducted by a medical professional. Sadly the purpose is to create a medical excuse for an insurer to avoid paying on a valid claim. After an accident the insurance needs to investigate your claim and injuries. If you have filed a workers compensation claim because of a work related injury or illness at some point the workers compensation insurance company might require you to be examined by a physician of its choice.
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