If you’ve been injured at work, then you likely already know about workers’ compensation insurance. This insurance pays your medical expenses and replaces a portion of your lost wages while you recover from your injury.
You also understand the importance of attending doctor’s appointments and following medical orders. So, suddenly receiving a letter requiring you to attend an independent medical examination (IME) can be stressful and confusing.
What is an IME?
An IME is a medical evaluation conducted by a physician chosen by your company’s workers’ comp insurance carrier. The purpose of an IME is to get an independent assessment of your injury, your current condition, your treatment and your ability to return to work. Refusal to attend on your part could result in the suspension of your benefits.
An IME is typically requested when there is a disagreement between your doctor and the insurance company’s view of your case. Typical areas of dispute include:
- Whether your injury is work-related
- If the work injury is the cause of your current symptoms
- Whether you will continue to improve or have reached maximum medical improvement
- If you can return to work, and if so, do you have any restrictions?
- If you need further treatment
During your evaluation, the doctor will review your medical records, diagnostic tests and current treatment plan. They will ask you questions about your injury, symptoms and the impact on your daily life.
Once the IME is complete, the doctor provides a written report to the insurance carrier, which then becomes part of your workers’ compensation file. It will be used to make decisions about your benefits.
Attending an IME can be intimidating. However, you have rights under Virginia’s workers’ compensation laws. If the IME seems inaccurate or unfair, a legal representative can help you challenge the findings and protect those rights.
