Workers’ Compensation In Fort Lauderdale: What To Expect During an Independent Medical Examination (IME)
When on-the-job injuries in Fort Lauderdale happen, workers’ compensation benefits in South Florida can help cover your medical costs. Attending an Independent Medical Examination (IME) as part of the claims process.
Insurers use these exams to evaluate your condition, and they can create additional stress during an already difficult time. Our Fort Lauderdale workers’ comp claims lawyer explains what the IME looks for and what to expect during your appointment.
Why Florida Workers’ Compensation Insurers Request Independent Medical Exams
Workers’ compensation in Florida helps cover the cost of medical care, but you must select a physician approved by the insurer. Even with an approved provider, the insurance company may want a second opinion.
Under Section 440.13 of the Florida Statutes, the insurer can request an Independent Medical Examination with a third-party doctor. The goal is to get a neutral medical opinion, but many insurers use it to justify denying or reducing claims.
Understanding the purpose of an IME can help you prepare. It generally focuses on these key areas:
- Whether your injuries are consistent with how the accident happened.
- Whether your condition is work-related or due to preexisting issues.
- Injury severity and how it impacts your abilities.
- Whether your treatment plan is appropriate and medically necessary.
- Your recovery timeline and whether you’ve reached maximum medical improvement (MMI)
The outcome of an IME can directly impact your benefits. If the doctor downplays your injuries or says you can return to work too soon, the insurer may reduce or stop payments.
How To Protect Your Rights in an IME
Independent Medical Exams are typically shorter and more formal than other doctor visits. The IME doctor will generally review your medical records and perform a physical exam, followed by questions about your symptoms and the way they impact your daily life.
It’s natural to be nervous, but just remember to give honest, consistent answers and focus on your health. To protect your rights throughout the process, follow these tips:
- Bring copies of medical records, including test results and statements from your doctor.
- Be concise in explaining your symptoms and avoid downplaying the severity or how they impact your abilities.
- Take notes immediately after, including how long it lasted, the questions asked, and what was said.
- Request a copy of the IME doctor’s report.
If the insurer tries to use IME results to deny benefits, you can dispute the findings and request a second opinion or hearing.
To Protect Your Rights To Medical Benefits, Contact Our Experienced Fort Lauderdale Workers’ Compensation Attorney
Considering the impact an Independent Medical Exam can have on your workers’ compensation claim, it is natural to be nervous. With over 30 years of experience dealing with Florida insurers, the Law Offices of David M. Benenfeld, P.A., provides personalized service and the trusted legal representation needed to protect your rights.
To get our South Florida workers’ compensation attorney on your side, contact us today and request a consultation in our Fort Lauderdale, Sunrise, or West Palm Beach office.
Sources:
myfloridacfo.com/division/wc
leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0440/Sections/0440.13.html