What Is an IME? Why Your Insurer's 'Independent' Exam Isn't Independent

What is an IME?

An Independent Medical Examination (IME) is a medical assessment arranged and paid for by your insurance company. Despite the name, these exams are not independent. The insurer selects the doctor, defines the questions, and pays the bill.

Why insurers use IMEs

IMEs serve one purpose: to create evidence supporting a denial or termination of your benefits. If the insurer's hired doctor concludes that you're capable of working, the insurer uses that report to override months or years of treatment records from your own doctors.

How to prepare for an IME

Be honest and thorough. Describe your worst days, not just your average days. Don't minimize your symptoms. Document the appointment: note how long the exam lasted, what tests were performed, and what questions were asked. Many IME exams last 15-30 minutes — nowhere near enough time to properly assess a complex disability.

Can you refuse an IME?

In most cases, no — your policy likely requires you to attend IMEs as a condition of receiving benefits. Refusing can give the insurer grounds to terminate your claim. However, you have rights: you can request information about the examiner in advance and have someone accompany you to the appointment.

How we fight biased IME reports

A biased IME report doesn't end your case. We counter them by: obtaining independent medical reviews from credible specialists, comparing the IME doctor's limited assessment to years of treating physician records, challenging the examiner's methodology and qualifications, and presenting the full picture of your disability.