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Independent Medical Exams (IMEs) for Disability Claims: What to Expect

When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical exam (IME). IMEs are basically a visit to a doctor selected by the insurer, during which the nature and severity of your disability or health impairment will be evaluated.

Because IMEs can be important to keeping the claims process moving – and because their outcomes can be critical to the success of a claim, below we have provided some helpful information about:

While the following information is general in nature, please don’t hesitate to contact Denver Disability Lawyer Shawn E. McDermott when you are ready to receive more answers about your rights to and/or claims for short- or long-term disability benefits.

How to Prepare for an IME

What Happens during an IME

During an IME, the treating physician will usually conduct a physical exam, ask a series of questions and/or review the medical records or test results you have brought with you. The doctor may also request that you undergo certain testing or procedures. If these requests seem to be unrelated to the condition, carefully consider whether you want to undergo them (or whether you wish to refuse them).

Some of the various elements that IME doctors will be assessing during these exams include (and are by no means limited to):

What to Do If an IME Doctor Issues an Unfavorable Report after Exam

If an IME doctor issues a bad report – like one alleging that you are not disabled or you are lying about your condition, here are some steps that can be taken to counter those findings and preserve your claim:

Contact Denver Disability Lawyer at McDermott Law, LLC

If your short- or long-term disability claim has been denied, contact Denver Disability Lawyer Shawn E. McDermott. Dedicated and experienced, Shawn McDermott has a record of success when it comes to helping people stand up to insurers and secure the full amount of benefits to which they are entitled.

Call our firm at (303) 964-1800 or email us using the contact form on this page to set up a complimentary consult with Attorney Shawn E. McDermott Law and find out more about how he can help you.

From offices in Denver, we provide the highest quality legal services to disabled people throughout the state of Colorado, the surrounding states and nationwide.

Serving Denver, Colorado Springs, Ft. Collins, and all other Colorado Communities

Specializing in Long Term Disability & Life Insurance Denials

CONTACT US TODAY! (303) 964-1800

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