If you’ve been injured at work in Colorado, workers’ compensation benefits can help cover medical care and lost wages. But at some point in the process, you may be asked to attend an Independent Medical Exam (IME). Understanding what an IME is—and how it can affect your claim—can help you protect your rights and avoid costly mistakes.
What Is an Independent Medical Exam?
An IME is a medical evaluation performed by a doctor who is not your treating physician. In a workers’ compensation case, the insurance company or the Division of Workers’ Compensation may request an IME to get an outside opinion on your injuries. The goal is to provide an “independent” assessment of your condition, treatment needs, and ability to return to work.
Despite the name, the IME doctor is typically paid by the insurance company. This means their evaluation is not always completely neutral, and their report can have a significant impact on your benefits.
Why an IME Matters
The IME can influence critical decisions in your case, including:
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Diagnosis and Treatment: Whether your injuries are work-related and whether additional treatment is necessary.
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Maximum Medical Improvement (MMI): When the doctor believes you have recovered as much as possible.
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Permanent Impairment Rating: If you have lasting injuries, the IME report may determine the amount of any permanent disability benefits.
If the IME doctor disagrees with your treating physician—especially regarding MMI or impairment ratings—the insurance company may use the IME report to reduce or deny benefits.
Preparing for the Exam
Because the IME carries so much weight, preparation is key:
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Review Your Medical History: Be familiar with your diagnosis, treatments, and symptoms so you can answer questions accurately.
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Be Honest and Consistent: Describe your pain and limitations truthfully. Exaggerating or minimizing symptoms can harm your credibility.
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Bring Necessary Documents: If you have recent test results, medication lists, or other medical records, bring them to the exam if your attorney advises it.
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Avoid Casual Comments: Anything you say—even small talk—may be included in the doctor’s report.
After the IME
Once the exam is complete, the doctor will send a written report to the insurance company and the Division of Workers’ Compensation. You and your attorney are entitled to a copy. If you disagree with the findings, you may be able to request a second opinion, challenge the report, or present additional evidence at a hearing.
Protecting Your Rights
An IME can be a turning point in your workers’ comp claim. Having an experienced attorney on your side can help you navigate the process, prepare for the exam, and respond to an unfavorable report.
At Keating Wagner, we help injured workers throughout Colorado protect their benefits and their future. If you’ve been scheduled for an IME or have questions about your workers’ compensation case, contact our team today for a free consultation.
