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 the treating physicians. Most of the time when I request them, they say it’s not our policy to turn them over, in the event of litigation or in a denial on a group claim, a lot of times they will send them over to the insured’s treating physicians for comment and review and I have heard plenty of times, I am sure you guys have too, contact their doctors to see if the doctor will release it to you.
I think it is a good idea that we do in our practice too is to try to ask the insurance company to have the independent medical exam report sent to the treating physicians before any claim decision is made so that the treating physician can have the opportunity to comment on that report.