Question

Why is Aetna requesting an IME? How should I handle it?

Asked on July 12th 2014 by Gordon
AETNA approved my LTD Claim in 04/2013. I have had five lumbar fusions surgeries without much let up in the pain. In 11/2013, I was diagnosed with CRPS. There was never an issue with my claim until my case was assigned a new Claim Manager. She said the she had my file reviewed and was going to send me to an IME. I am confused because there were no additional medical records requested since the last review in 04/2014. I called the IME to confirm my appointment and they told me that AETNA has not provided them with any of my records, so I need to bring them all. My Orthopedic Surgeon has indicated a need for more surgery but is concerned about causing further issues with my CRPS. I undergo monthly peripheral nerve blocks in order to control my CRPS, and it is slowly getting better. I do want to return to work and my Doctors and I have talked about possibly working from home a couple of hours per day to see how it goes. However, they do not want to proceed in this direction until the CRPS is better controlled and I have the needed surgery. How can I prepare for this IME? Should I talked to the Doctor doing the IME about my desire to return to work and the conditions?

Answer

Answered on July 13th 2014 by Attorney Jay Symonds

Gordon, If Aetna is sending you for an IME then they have some reason to believe you may no longer be disabled under the terms of the policy. Please feel free to contact our office to discuss how we may be able to assist you.