What Should I Know About a Disability Insurance Medical Exam (IME)?
As part of an ongoing disability insurance claim, it’s common for an individual holding the policy to submit to a “disability insurance medical exam.” Typically referred to by its acronym, IME, it’s basically an independent examination by a physician who is hand-picked by the insurance company or its third-party vendor. Many choose to call it a “compulsory medical exam” because policyholders attempting to claim disability benefits frequently have no choice but to attend this examination.
In many instances, the entire policy could be voided and the claim denied if the disabled claimant fails to appear and undergo evaluation. Since this is a crucial part of receiving the disability benefits you’ve paid for with the policy, it’s absolutely vital to know what to expect and how to conduct yourself within this somewhat stressful scenario. Disability attorneys Greg Dell and Cesar Gavidia share some important tips and advice on how to protect yourself while making the most of this pivotal part of the process.