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What Should You Expect During an Independent Medical Examination?When you file a workers’ compensation claim, your employer or its insurance company can require you to attend an Independent Medical Examination with a third-party doctor. Refusing the IME could result in your claim being terminated and the loss of your benefits. Though it is an independent examination, many claimants fear that the doctor will be biased in his or her findings in order to benefit the employer or insurance company. While many doctors try to be honest and impartial during an IME, some doctors seem dubious in reaching a diagnosis that clearly hurts a workers’ compensation claim.

Possible Conflicts

Insurance companies use an IME to get an unbiased medical opinion about your physical condition, instead of relying on the opinion of your own doctor. The doctor conducting an IME is independent in that he or she is a licensed physician who is not on the staff of your employer or its insurance company. However, the IME physician does have an incentive to give a report that favors the insurance company:

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