10 Things To Expect When Your Disability Insurance Company Asks For An IME Exam (Ep. 16)
Disability Insurance IME Exams Are on the Rise
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 detailed information that every claimant should be aware of prior to attending an IME exam.
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There are 6 comments
Your doctor could demand, but I don’t know how much weight will actually be given to same. I would suggest you contact the carrier and advise them that you need transportation to the IME. Most carriers will arrange for same.
Stephen JessupApr 2, 2015 #6
Hello. I have a similar situation as DP in regards to the travel they are requiring for my upcoming IME with an occupational MD. The drive will be anywhere from 1.5 hrs to 2 hrs one way. They claim it is an hr which is what it says when you map quest it but that does not take into consideration traffic which is horrendous in many areas while traveling to the destination. Can my doctor demand that the exam be closer to my home? Thank you for any help you can provide.
LHApr 1, 2015 #5
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.
Gregory DellJun 14, 2012 #4
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?
DPJun 10, 2012 #3
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.
Gregory DellJan 18, 2011 #2
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?
Nancy ButlerJan 14, 2011 #1
Do you work in my state?
Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.
What are your fees?
Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.
The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.
In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.
Do I have to come to your office to work with your law firm?
No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.
How can I contact you?
When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.
Dell & Schaefer has made my life much more restful in so many ways. They retrieved the appropriate paperwork from Medical Facilities and made all of the calls and faxes as to allow me to just rest. I know what it is like going through a rough time medically and need to handle all of the legalities that come with it. You can certainly count on this Law Firm, I am speaking from a standpoint from completely healthy to absolutely so sick I could not work at all. It can be devastating especially to people who have always been healthy, lived a great lifestyle and worked a fabulous position with a great company. Simply put things can happen that are frustratingly out of your control and when you need help then don’t hesitate to hire this law firm, they helped me greatly and they can help you too!