What happens at an Independent Medical Examination (IME) for workers’ comp?
What you need to know
An Independent Medical Examination sounds neutral, but it is not. The insurance carrier selects and pays the IME doctor. That doctor’s goal is to produce a medical report that limits the insurer’s financial exposure — not to treat you or advocate for your health.
Under WCB rules, you must attend any IME the insurance carrier schedules. Skipping it can result in your benefits being suspended. You will receive written notice of the exam date, time, and location. If you cannot make it due to a medical emergency, notify the carrier and your attorney immediately and document everything.
Here is what to expect: the exam is usually brief — often 15 minutes or less. The doctor will review your records, ask you about your injury history, and do a limited physical examination. Be honest and thorough. Describe your pain and limitations accurately. Do not minimize your symptoms or try to appear stronger than you are.
After the exam, the IME doctor sends a written report to the WCB and the insurance carrier. If the report contradicts your treating doctor’s findings, the insurer will use it to reduce or terminate your benefits. This triggers a hearing where the two medical opinions are weighed by a WCB judge.
You have the right to have your own doctor submit rebuttal evidence. In many cases, a strong counter-report from your treating physician — especially with objective test results like MRI or EMG findings — defeats the IME report.
Never go to an IME without understanding your rights. Call us before the exam for a free consultation.
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