Independent Medical Exam Extremely Important to Work Comp
The Independent Medical Exam is one of the best after-the-fact risk management and loss reduction strategies available to claim departments. term of the day. The term mean when an insurer requests an examination of a claimant by a doctor other than the attending physician.
The previous classic definition leaves out one area. The injured employee may request an Independent Medical Exam also, but then the confusion starts once again as it that appointment an IME or is it a second opinion. Regardless, claims adjuster, risk managers, etc. forget that the employee can request an IME anytime during their treatment.
The State Workers Comp Boards rubber stamp those requests from employees. Has anyone ever seen the situation where the state rejects an employee-requested IME? I have not seen one unless the injured employee has already requested one or several.
Often IMEs are a tool used by the defense in a claim dispute. In this case, the purpose is to diminish the severity of a medical claim. .IMEs can also be used to defeat medical claims.
One of the great debates begins with the phrase “Is a second opinion on a surgery an Independent Medical Exam”?
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