Functional Capacity Evaluation (FCE)

An FCE is a formal examination that is generally performed by an occupational therapist (OT) or a physical therapist (PT), as opposed to a physician. Insurers use FCEs to gather information about a claimant’s capacity to perform certain physical tasks, such as lifting, pushing, pulling, carrying, reaching, stooping, kneeling, crouching, crawling, etc.  The person conducting the FCE will also typically record the claimant’s pain levels when engaging in each respective activity.  

Following the FCE, the insurer will compare the results of the FCE to the job duties required by the claimant’s reported occupation.  If the insurer believes that the claimant still has the capacity to perform his or her required job duties, it will deny or terminate the claimant’s benefits.

Click here for more information about FCEs.