During a TPD claim, your insurer may request that you attend an Independent Medical Examination (IME) — an assessment by a medical specialist chosen and paid for by the insurer. While the name implies independence, the examiner is appointed by and paid by the insurer, so the report tends to favour the insurer's position.
What an IME involves
An IME is typically a 30–90 minute appointment with a specialist (often a surgeon, psychiatrist or occupational physician, depending on your condition). The examiner will:
- Review your medical history and current symptoms
- Conduct a clinical assessment
- Ask about your daily activities and work capacity
- Write a report with their opinion on your condition and ability to work
Your rights at an IME
- You are generally required to attend if requested — refusing can jeopardise your claim
- You can bring a support person (friend or family member)
- You're entitled to a copy of the IME report
- You can respond to an adverse IME with counter-evidence from your own treating specialists
How to prepare
- Be consistent with the history you've provided to your treating doctors
- Don't minimise or exaggerate — describe your worst days as well as your better days
- If the IME report is unfavourable, your treating specialist can prepare a rebuttal report
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