Skip to content


Helping Disabled Claimants Nationwide "Whatever It Takes" to Get Your Disability Benefits Paid



Facebook Twitter Get Updates


Free Phone Consultation Nationwide
CALL (800) 682-8331
Click to be called now

We offer no fee or cost unless you get paid


What should I expect when I attend an IME exam requested by my disability insurance company?

Related Videos

Episode 16: 10 Things To Expect When Your Disability Insurance Company Asks For An IME Exam

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 detailed information that every claimant should be aware of prior to attending an IME exam.

There are 4 opinions so far. Add your comment now.

Nancy Butler:

1. Much of my pain is masked by pain medication. Since the memory of pain is supressed over time (e.g.child birth pain, not recalled in any detail, but boy it was significant), how can I accurately describe the pain? Do I describe it in my medicated state or in my pre-medicated state?

2. The pain medication might be (probably does) contributing to my short term memory problems and general brain fog and congnitive problems. How can I state what is part of my condition as compared to what is part of the side effect of the pain meds?

Attorney Greg Dell:

Nancy, both of your questions are interesting as it is difficult to document a subjective symptom of pain. Pain medications are suppose to alleviate pain, however there are side effects. When you document your pain it would be important to indicate if you are taking pain medication at the same time. It would also be important to document any side effects of the medication that you may be experiencing. For example, a pain med may alleviate your pain, but you have limited ability to focus or concentrate while taking the medication.

The pain medication might be (probably does) contributing to my short term memory problems and general brain fog and congnitive problems. How can I state what is part of my condition as compared to what is part of the side effect of the pain meds?

This is a difficult question to answer. You need to compare how your cognitive difficulties are while on meds versus when you are not taking meds. You should have you physician document all of the pain and cognitive issues that you encounter.

DP:

I have been under review for my LTD as June 16 is the two year mark under “own occupation”. I saw my Dr. as requested in Feb. of this year and had her complete the residual capacity form. She stated that I can sit up to 30 minutes at a time, maximum 4 hours per day, stand/walk 15 minutes at a time, maximum 2 hours per day.

My LTD carrier changed my case manager this week, who now says that he has major concerns with my claim. He said that my Dr.’s report clearly says I can sit 4 hours per day, I have come up with one excuse after another not to attend voc. rehab, and that they have not been able to “monitor” me as I never told them I moved from WA to CA last year. None of this is true as my Dr. clearly states that I cannot sit for more than 30 minutes maximum 4 hours, I have requested voc. rehab many times only to be told I wasn’t a candidate and they knew I lived in CA since a week before I left WA. Their mail has all been addressed here for a year.

They’re now saying that since I fly to WA to see my Dr. every 4-6 months (I can’t find a doc here to see me and take on the disability/SSDI forms) that they want me to go BACK to WA for an IME within 30 days even though my next appointment is already scheduled for August of this year. According to him if I see a Dr. in WA they consider me living there.

I’m more than willing to see an IME, voc. rehab, anything to find a way to get back to work but the stress they are putting me through is making me physically ill. Can someone who admittedly has no medical training deny me because my Dr. said I can sit up to 4 hours a day, but have to take breaks every 30 minutes or so to walk/lie down?

Thank you.

Attorney Greg Dell:

DP,

The insurance company must rely on either a nurse or a doctor to make a medical determination on your claim. It is common to see problems develop when a new person gets assigned to your claim. You should not be required to travel a far distance from your home for an IME examination. You should apply for SSDI if you have not already done so. You may find our video on IME exams helpful.

Add your comment

Please be advised that your comment will be public. Any information contained on our website is for informational purposes only and not legal advice. If you are seeking assistance with your claim, then please use our confidential Free Consultation form.



Your name will appear with the comment


Your email address will not be published

Please note: The comments are moderated.
Your comment will need to be approved before it will appear on this page. No off topic post will be accepted. Our attorneys may respond to your comment.

Subscribe without commenting:


Request a Free Consultation

Click here or call 800-682-8331 now!

We respond the same day.
We represent disability insurance claimants all over the United States.

Testimonials

Read what our clients say about us.

  • Rhonda L. Gregory Dell has saved my family from bankruptcy. I got sick with Vasculitis and had to undergo 4 years of chemo treatments. I worked during this time as pharmaceutical...› continue
  • Agnes X. Alex helped me and my brother for multiple cases in the past five years. He earned my trust and confidence through his hard work, attention to detail, well thought plans...› continue
  • Steven W. "Whatever it Takes", and you can take that to the bank, as I did. I was declared disabled in March 2010 after unsuccessful Back surgeries, CSC Implants, numerous other...› continue

More Testimonials