If you have an active workers’ compensation claim in Florida, there is a good chance you will eventually be asked to attend an Independent Medical Examination, commonly known as an IME. Many injured workers are caught off guard by this request and are not sure what it means for their case. Here is what you need to know.
What Is an IME?
An Independent Medical Examination is a medical evaluation requested by the insurance carrier or, in some cases, ordered by a judge. Despite the word “independent” in the name, IME doctors are paid by the insurance company and are often selected because their opinions tend to favor the carrier’s interests.
The IME doctor will review your medical records and conduct a physical examination, then issue a report with their findings and opinions. These opinions can address whether your injury is work-related, whether your treatment is appropriate, and whether you have reached Maximum Medical Improvement.
Why Should You Take This Seriously?
The IME report can be used by the insurance company to cut off your benefits, dispute your treatment, or reduce your impairment rating. An unfavorable IME is one of the most common reasons benefits are denied or discontinued.
What You Should Do Before an IME
Talk to your attorney before attending an IME. There are rules governing how these examinations must be conducted, including time limits and documentation requirements, and you have rights throughout this process. Your attorney can help you understand what to expect and how to protect yourself.
Be honest during the examination. Do not exaggerate your symptoms, but do not downplay them either. Describe your pain and limitations accurately and completely.
Your Treating Physician’s Opinion Matters Too
The IME doctor’s report is not the final word. Your authorized treating physician’s opinions carry significant weight in the workers’ compensation process. If the IME report conflicts with your treating doctor’s findings, your attorney can challenge it and present your doctor’s perspective as a counterpoint.
Do Not Face an IME Alone
Having legal representation before and during this process is critical. Attorney William Heller has been helping South Florida workers navigate the workers’ compensation system for over 35 years. He knows how insurance companies use IMEs and how to fight back when the results are unfair.
If you have been asked to attend an IME or if your benefits have been affected by one, call William Heller today for a free consultation at (954) 921-7171.