As our video explains, an Independent Medical Exam for LTD benefits is anything but independent. In fact, it is a perfect example of an insurance company at odds with its own deserving customer. If your insurance company wants to schedule you for an Independent Medical Exam during their claim evaluation process, what can you do?
First of all, insurers are within their rights to request IMEs. This can apply whether you’re just applying for long term disability or you’re 5 years into a paying claim. In fact, many disability policies contain language that stipulates if you fail to cooperate or attend the IME, benefits may be denied or suspended.