What to Expect During an Independent Medical Examination for LTD

Losing the ability to work due to a disability is one of the most difficult experiences a person can face. Long-term disability (LTD) benefits exist to provide financial stability during those hardest moments. But when your insurer requests an independent medical examination (IME), the stakes for your stability become even higher. The results of that exam can directly impact your benefits, and in some cases, lead to their termination.

At Bartolic Law, we help clients protect the benefits they’ve rightfully earned. When preparing for an IME, it’s beneficial to know what the process involves:

• A medical exam arranged by your insurer with a physician of their choosing.
• A review of your medical records, followed by a physical interview and examination.
• A written report submitted to your insurer that evaluates your functional capacity.

It’s important not to downplay the significance of an IME, as it can create a potential basis for your insurer to deny or terminate your LTD benefits. Proper preparation for this exam can be crucial.

What Testing Procedures Take Place During an LTD Independent Medical Examination?

The examination itself typically lasts about one hour. The physician will conduct an interview focused on your medical history, current symptoms, and treatment history. The physical portion may include tests such as grip strength assessments and range-of-motion evaluations. After the exam, the doctor prepares a written report that addresses specific questions posed by your insurer, most often centered on whether your condition prevents you from working.

What Role Does the Examining Physician Play in an IME?

Despite the word “independent” in the name, these exams often favor the insurer. The physician is selected through a third-party vendor paid by your insurance company. That financial relationship creates a real risk of bias. Some doctors who perform IMEs have a track record of producing reports that benefit insurers, while others may lack expertise in your specific condition.

The physician’s findings are not final. If the IME doctor disagrees with your own treating physicians, that conflict can be challenged. At Bartolic Law, we are experienced in identifying flaws in IME reports, whether that involves the doctor’s lack of relevant specialization, factual inaccuracies, or a selective reading of your medical records.

How Should You Prepare for an Independent Medical Examination?

Preparation makes a meaningful difference. Before your appointment, take time to:

• Review your medical history, current prescriptions, and recent test results.
• Be ready to clearly explain how your symptoms limit your ability to work.
• Bring any diagnostic films, such as MRIs, X-rays, or CT scans, to the appointment.
• Arrange transportation if sitting or driving for extended periods is difficult for you.

During the exam, be honest and thorough about your symptoms. Do not downplay your condition or suggest you are more capable than you are. At the same time, answer questions directly and avoid volunteering information beyond what the physician asks. The IME is not a confidential conversation; everything you say can appear in the doctor’s report.

What Documentation Should You Gather Before and After Your IME?

Documentation is one of the strongest tools in your corner. Before your exam, gather all relevant diagnostic imaging and lab results, as well as a complete summary of your treatment history and current medical providers. A written account of how your condition affects your daily activities and ability to work provides further evidence of your need for LTD benefits.

After the exam, take notes on anything the doctor said or did that seemed unusual. This record may prove useful if you need to challenge the IME report later. Your insurer is also typically required to provide you with a copy of the examining physician’s report, which gives you and your attorney an opportunity to respond.

What Should You Do If Your LTD Claim Was Denied After an IME?

A denial is frustrating, but it is not necessarily the end of the road. At Bartolic Law, we work with clients across Chicago whose LTD claims have been denied or terminated following an independent medical examination. Our team knows how to build strong, evidence-backed appeals that humanize your case and push back against flawed or biased IME reports.

You have a limited window to appeal after a denial, and that deadline matters. Contact Bartolic Law today for an initial consultation and let us get to work on your case.