What to Expect at an Independent Medical Exam for Your LTD Claim

If you’ve been asked to attend an Independent Medical Examination (IME) as part of your long-term disability claim, it can feel a bit unsettling. Most people haven’t gone through this before, and the word “independent” can be misleading.

In reality, an IME is a medical assessment arranged by the insurance company—not your treating doctor. Its purpose is to evaluate your condition and, in many cases, determine whether you still qualify for benefits.

Understanding what to expect can help you walk into the appointment more prepared and a lot less stressed.

What Is an Independent Medical Exam (IME)?

An Independent Medical Examination is an evaluation conducted by a doctor or specialist chosen by the insurer. The goal is to get a second opinion about your medical condition, your limitations, and your ability to work.

Despite the name, the doctor is being paid by the insurance company. That doesn’t automatically mean the assessment will be unfair, but it does mean the process isn’t entirely neutral.

The insurer may request an IME at different stages of your claim—after an initial application, during ongoing benefits, or when they’re considering terminating your payments.

Why Do Insurance Companies Request an IME?

From the insurer’s perspective, an IME is a way to verify your claim. They may say they need more information or a clearer understanding of your condition.

In practice, IMEs are often used when:

There are inconsistencies in medical reports
Your condition is considered “subjective” (like chronic pain or mental health issues)
The insurer believes you may be able to return to work
They are reviewing your claim for ongoing eligibility

It’s not unusual for benefits to be reduced or cut off after an IME, which is why taking the process seriously matters.

What Happens During the IME Appointment?

The structure of an IME can vary depending on your condition and the type of specialist involved, but most assessments follow a similar pattern.

You’ll usually be asked about your medical history, current symptoms, and daily limitations. The doctor may also ask questions about your work duties and how your condition affects your ability to perform them.

A physical exam or psychological assessment may follow. Some exams are relatively short, while others can take several hours, especially if testing is involved.

One thing that often catches people off guard is how detailed—or repetitive—the questions can be. This is intentional. The doctor is looking for consistency in your answers.

How to Prepare for an Independent Medical Exam

Preparation doesn’t mean trying to “game” the system. It simply means being clear, honest, and consistent.

A few practical tips can make a big difference:

Review your medical history so your answers are accurate
Be honest about your symptoms without minimizing or exaggerating
Describe your worst days, not just your best ones
Stick to what you know—avoid guessing or speculating
Arrive on time and bring any requested documents

It’s also a good idea to make notes afterward about what was asked and how the exam went. This can be helpful later if there are discrepancies in the report.

Common Mistakes to Avoid at an IME

Many claimants unintentionally undermine their own case during an IME. Not because they’re dishonest, but because they don’t realize how closely their behavior is being observed.

Some common pitfalls include:

Downplaying symptoms out of habit or politeness
Giving inconsistent answers about limitations
Agreeing to abilities you don’t actually have
Overexerting yourself during physical testing
Forgetting that informal observations (like how you walk or sit) may be noted

Even small inconsistencies can be used by insurers to question credibility.

What Happens After the IME?

After the assessment, the doctor prepares a report for the insurance company. This report can carry significant weight in your claim.

If the report supports your disability, your benefits may continue. If it doesn’t, the insurer may deny or terminate your claim.

You’re not automatically given a copy of the report, but you can request it. Reviewing it carefully is important, especially if it contains inaccuracies or conclusions that don’t match your medical records.

When to Speak with an Experienced Disability Lawyer in Ottawa

If you’ve been asked to attend an IME—or if your benefits have been affected afterward—it may be time to get legal advice.

An experienced disability lawyer in Ottawa can help you understand your rights, prepare for the exam, and respond if the insurer relies on a flawed report. In some cases, legal intervention can prevent a denial or strengthen your position before things escalate.

They can also identify whether the IME process was handled fairly and whether additional medical evidence is needed to support your claim.

Final Thoughts on IMEs and LTD Claims

Independent Medical Examinations are a routine part of many long-term disability claims, but they’re not something to take lightly. The outcome can directly impact whether your benefits continue.

Going in prepared, staying consistent, and understanding how the process works can make a meaningful difference. And if something doesn’t feel right—either before or after the exam—getting proper advice early can help you avoid bigger issues down the line.