Scheduled| A Guide To Appointments with The Workers Comp Insurance Doctor and How to Protect Yourself
My Insurance Adjuster Scheduled Me to See Their Doctor. Should I Trust This Doctor?
Insurance Companies Have the Right to Schedule Appointments with Their Doctor, But that Doctor Cannot Be Trusted
If you've been scheduled for an exam by a doctor your insurance adjuster chose, you probably have questions. Who is this doctor, and why do they need to exam me? Will this doctor provide treatment? Can I trust this doctor?
At any time after a workers’ compensation claim is filed, especially if the case is in the litigation phase, the employer or insurance company can schedule a medical examination with a doctor of their choosing. Insurance companies call these IME's (Independent Medical Examinations) but that name is very misleading. There is nothing independent about these exams. These physicians, who get their business from the insurance company, typically examine injured workers for the same insurance companies over and over. In addition, many times they charge the insurance carrier five hundred dollars per examination, as opposed to eighty-five dollars they would actually charge a patient coming for treatment. They then generate a lengthy report that is sent to the insurance company or its attorney. There is no doctor-patient privilege, and the claimant is not there for any therapeutic or medical reason.
Most of the time, the insurance company is simply paying for a tool to use to deny your benefits. Only once in a awhile do you get an insurance review doctor that is interested in the recovery of the injured worker. It's a legal practice, but in our opinion it's not ethical.
We've heard the same things from our clients over and over "the doctor barely looked and me, didn't touch me or examine me, and only spent 15 minutes with me." Unfortunately this is a common story for a doctor who probably already had the report written up in a form letter long before he ever saw you. The form report will probably say "injured worker can return to work without restrictions." Or will further refer to injured worker to work hardening before they are ready, or make a referral to see their physical therapists.
Read This Report Before You See an Insurance Doctor. You Need Tools to Protect Yourself During an Exam.
In this report you will
- Learn the difference between an insurance exam and a treating exam
- Discover the truth about why insurance exams are used as a tool to limit your benefits
- Get tips on how to behave during an independent medical exam
Request this free report today to set yourself up for success. And if you need help now, contact our experienced workers comp lawyers at 202-393-3320.