Episode 16 10 things to expect when your disability insurance company asks for an IME exam

Almost all disability insurance policies provide a disability insurance company with the right to have the insured examined by a physician of their choice. The disability insurance companies can select any physician and a claimant must attend.

These exams are commonly referred to as Independent Medical Exams (“IME EXAM”); however many courts refer to them as Compulsory Medical Exams (“CME EXAM”) since the claimant’s benefits will be denied if they fail to appear.

Disability Insurance Attorneys Gregory Dell and Stephen Jessup discuss what a claimant should expect if asked to attend a CME exam. It’s always best to get an attorney involved if your disability insurance company has requested a CME. Here are some the question that Attorneys Dell and Jessup will discuss in this video:

1. Is the disability claimant required to attend the CME exam?
2. How should a disability insurance claimant act at a CME exam?
3. Are the CME doctors the enemy?
4. Are the disability insurance companies videotaping the disability claimant at anytime before, during or after the CME exam?
5. Should a claimant videotape, audiotape or bring an independent witness to the CME exam?
6. Should a claimant complete paperwork that is presented at the actual CME exam?
7. Is the CME exam suppose to be a deposition of the claimant?
8. Does a disability claimant need to complain about everything during a CME exam?
9. How can a disability claimant get a copy of the CME report completed by the physician following the exam?

Please note: Disability insurance attorney Gregory Michael Dell created Disability Insurance Law TV in order to educate long term disability claimants about common issues related to long term disability insurance claims. New episodes are filmed on regular basis. Our disability videos are for informational purposes only and they are not legal advice.

There are 2 comments so far. Click here to post your comment ↓

Pam Anderson:

Thanks for the above video but wish I had seen it before I had my IME appt. As always I am too trusting & should have checked this out before I went to the IME dr. Now I have been turned down by Liberty Mutual due to the IME physician’s report & all my benefits have stopped. I am 59 female have had 3 major back surgeries include 2 were fusion last one 3/9/10. I have been on ltd with them since 6/11/10. Now I am without income & no way I can work in my condition. I have already filed for social security disability but that is still pending & could take another year.

Attorney Greg Dell:

Pam, in order for us to determine if we can help you we would need to review the denial letter that Liberty Mutual sent you. You only have 180 days to appeal the disability denial so it is important that you take action quickly. Once we receive your denial letter and a copy of your Liberty Mutual Policy we will be able to let you know immediately if we can assist you.

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