IME Exams & Insurance Company Doctors

• Can a disability insurance company rely on a Functional Capacity Exam (“FCE”) to deny long-term disability benefits?

  Unfortunately a recent Appellate court answered this question yes. Every disability case is distinguishable so for every case that says an FCE is reliable evidence of disability, there is another case that will say it...
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• What should I expect when I attend an IME exam requested by my disability insurance company?

  Disability attorneys Gregory Dell and Stephen Jessup discuss what a disability claimant can expect when they are asked to attend an independent medical examination requested by their disability insurance company. Attorneys Dell & Jessup share...
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• What is a Functional Capacity Exam (FCE) and should I go to a FCE?

  Disability attorney Stephen Jessup discusses what a functional capacity exam is and if a disability claimant should attend a FCE. A Functional Capacity Evaluation or Exam or an FCE is a test that’s a battery...
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• Are the outside companies hired by disability insurance companies to locate IME doctors independent?

  In addition to just these doctors that are biased, the in-house doctors and the outside doctors that are hired, we know that they also use these third party companies that are supposed to set up...
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• Are independent medical examiners hired by a disability insurance company truly independent?

  Let’s talk a little bit about the bias of these particular so-called independent medical examiners. I think we have seen through our cases of litigation, through the ERISA appeals and information that we have obtained,...
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• What can I do to protect myself during an IME exam requested by my disability insurance company?

  What if anything could you recommend to people who are watching could do to try to protect themselves during an alleged independent medical exam? In some states, for instance in Florida a disability claimant has...
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• Can my disability claim be denied if my disability company never conducted an IME exam?

  Can a disability carrier deny benefits to a claimant if they have never had an independent medical exam done on a particular claim? They certainly can. Just because the insurance company fails to request an...
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• Will my disability insurance company give me a copy of the IME report?

  When the independent medical exam is done, the doctors generally generate a report, correct? Is that report generally made available to the clients or is that report made available to client’s treating physicians? Usually for...
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• Why is my disability insurance company requesting an IME exam?

  When an insurance company sends this notice to the claimant and says – we want to do an independent medical exam, what are they really looking for? Why are they asking for this exam? Well,...
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• Do I have to attend an IME exam requested by my disability insurance company?

  When you get one of these independent medical exam notices or letters from a disability carrier, does that mean you have to go to this exam or can you say – no, I really don’t...
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