Injured and Asked to Attend an IME? Know Your Rights First

If you’ve been injured and are navigating a disability claim, you may be told that you need to attend something called an Independent Medical Examination (IME). These evaluations are often part of the process when insurers or employers want a second opinion about your medical condition. While the name suggests neutrality, many claimants find the experience intimidating or unclear. Before you walk into that exam room, it’s critical to understand what your rights are, especially when it comes to a long term disability independent medical examination and how it may affect your case.

What Is an Independent Medical Examination?

An IME is a medical evaluation requested by an insurance company, employer, or other third party—often in the context of a workers’ compensation or disability benefits claim. It is performed by a physician who has not been involved in your treatment. The goal is to provide an “objective” report on your condition, diagnosis, treatment, and functional limitations.

However, because the opposing party is paying the doctor—not you—their report may not always favor your side. That’s why understanding your legal protections and preparing carefully can make a significant difference in the outcome of your claim.

You Have the Right to Be Informed

You should receive written notice about the IME appointment, including the name of the doctor, the specialty they practice, the date and location of the exam, and the purpose behind it. This allows you to research the physician, confirm that their specialty is relevant to your injury, and ask your doctor for advice on how to prepare.

If you’re concerned about the physician’s impartiality or qualifications, you may be able to object to the selected provider. In some jurisdictions, you have the right to request a different doctor, especially if there’s a conflict of interest or the provider lacks appropriate expertise.

You Are Not Required to Share Everything

During the IME, you should be honest about your symptoms, limitations, and medical history. However, you do not have to offer information unrelated to the purpose of the exam. Keep your answers clear and concise. It’s okay to say “I don’t remember” if you’re uncertain—never feel pressured to exaggerate or understate your condition.

Also, you’re not obligated to sign documents beyond a basic check-in or medical consent form. If you’re asked to sign a release for full medical records or anything that feels unclear, ask to take it home for review or speak with an attorney first.

Know That the Examiner Is Not Your Doctor

This point cannot be emphasized enough: the IME doctor is not there to treat you. Their role is to evaluate you and report their findings to the insurer or other requesting party. There is no doctor-patient confidentiality in this setting, and anything you say or do during the exam may end up in their report.

That includes seemingly casual observations, such as how you walk into the room, sit down, or respond to questions. These observations are often noted as part of a “functional” assessment and may be used to contradict your claim if not handled thoughtfully.

Documentation Can Work in Your Favor

If permitted in your state or jurisdiction, consider bringing a trusted friend or family member to the exam as a witness. Some people also choose to take notes immediately after the exam or request a copy of the IME report (which you’re usually entitled to see).

Having your own doctor review the IME report can also be helpful, especially if there are factual inaccuracies or questionable conclusions. In cases where the IME could jeopardize your benefits, legal counsel can help you formally challenge the findings and submit supporting medical evidence.

Why Legal Support Matters

Because IMEs often play a pivotal role in long-term disability and workers’ comp decisions, having a lawyer on your side can protect your rights from the start. If you’re navigating a long term disability independent medical examination and unsure about how to proceed, seeking legal advice early can prevent costly missteps and ensure you’re treated fairly.

The legal system provides you with recourse if an IME is improperly used to deny or reduce your benefits. Lawyers can guide you on how to prepare for the exam, what to document, and how to respond if the report undermines your case. They may also help you appeal an unjust decision or push back against biased evaluations.

Final Thoughts

Being injured is already tricky enough—being told to attend an Independent Medical Examination can add confusion, stress, and uncertainty. But when you know your rights and how to protect yourself, you’re in a stronger position to advocate for your health and your benefits. Whether you’re pursuing workers’ compensation or a disability claim, preparation and professional support can help you navigate the IME process with confidence.

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Jay Stallings

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