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Have you applied for Social Security Disability benefits
Do you see a doctor for your medical condition?
Are you currently working in a job?

The Independent Medical Exam

New Jersey Long-Term Disability Attorney

The independent medical exam is sometimes required by your long term disability insurance carrier.  Most insurance policies contain clauses which allow the insurance carrier to request this exam and, if you fail to attend the exam, it may result in an automatic denial.  

An independent medical exam is one that is performed by a doctor who has been chosen for this purpose by your insurance company. If you are located anywhere in the state of New Jersey and have been told you need an independent medical exam, it will be advantageous to consult with the New Jersey long-term disability lawyer at our firm for advice on this important event. We can advise you about strategic issues concerning these exams and help you prepare for the exam.  

The purpose of the independent medical exam is to obtain medical evidence which your insurance provider can use to support its decision about your claim. The exam is often a means for the insurance company to get medical reports, evidence, and testimony that will favor its decision to deny your claim.  Although the independemtn medical examiner is supposed to offer an unbiased opinion, we find that these doctors are typically insurance friendly and derive a portion of their income from conducting these type of exams routinely. 

The insurance company should provide the independent medical exam doctor your medical records prior to your exam inordfer to give him or her a background as to your condition.  The examining doctor is not interested in treating your condition and will offer his opinion to the carrier as to your diagnosis and how it may affect your ability to work.   We have found through our experience that the usual objective of the examining doctor is to provide further evidence which will attack the credibility of your claim. Because of this, you need to be fully advised and prepared by your New Jersey long-term disability attorney in order to protect your rights. We can help you prepare for the independent medical exam so that you do not go in to it without knowing what to expect. 

Contact the New Jersey Long-Term Disability Lawyer at our offices today for assistance in preparing for an independent medical exam requested by your disability insurance provider.

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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