• Disability Insurance Independent Medical Exams (IME) FAQ #2

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, realistically what they are going to be looking for, in my opinion, is some way to try to justify the denial of a claim. It may have been that they have reviews of medical records, they have one of their internal reviewers look at it, they have questions about maybe have him go through an IME just to document it. Or it is a way to kind of counter what your own doctors are saying. So IMEs can be a lot of times set up when they are initially going to try to initially approve the claim for benefits, or as the case may serve as a ground in the near future to try to determine the benefits.

When these IME exams are requested, is it the same format for every single exam the doctor is supposed to look for or do insurance companies ask the doctors to look for specific things?

You’ll see sometimes especially in a lot of the ERISA appeals, once you get the claim file, you’ll see where they will have a questionnaire sent to the independent reviewer or doctor and say – this is exactly what we want you to look at, we want you to compare it to the job that they are saying, this is where we want you to focus. Other times it may be more of a general overall exam, in other cases it maybe a functional capacity evaluation.

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Questions About Hiring Us

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.

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Hal M.

My wife and I were quite pleased with how Dell & Schaefer managed to procure a buyout from a nation-wide disability insurance company, whose name has been consistently associated with attempts to discredit the expert diagnosis of qualified physicians, in favor of their own staff appointed representatives. A practice that they have routinely used over the years in order to deny as many valid claims of disability as possible. They have also used this tactic to undermine the validity of many of the recipients of disability benefits who were already receiving their disability payments, as was the case with us. Dell & Schaefer was familiar with these tactics and the other methods used by this particular disability insurance company and it is for this reason that we contacted them. We were glad that we did.

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