Independent Medical Exam (IME)
An IME is an exam conducted by a doctor to verify whether you are truly disabled under your policy’s terms. Insurance companies often require claimants to undergo IMEs in the hopes that they will be able to use the IME results to deny or terminate benefits. Although IMEs are supposed to be “independent”, the doctors performing them are almost always selected and paid by the insurance company, and many insurance companies use the same IME doctors over and over again, because they know that those doctors will generate reports that favor the insurance company’s interests.
Click here for more information on IMEs.