You have sustained injuries as a result of a work-related accident. But in order to receive long term disability insurance benefits, you will need to pass an independent medical exam. If you require help navigating this process, please read on, then contact one of our experienced long term disability insurance attorneys to learn what you should know about independent medical exams and LTD benefits.
What do independent medical exams have to do with LTD benefits?
An independent medical exam evaluates an injured party by utilizing a third party, independent medical professional, who will issue an unbiased opinion on the injury. Such an exam forms the basis of the case for employers, attorneys, insurance agents and physicians. As mentioned above, doctors hired by insurance companies conduct these independent medical exams. That said, an independent medical examiner might have a vested interest in lying or understating your injuries in order to strengthen the insurance company’s case.
How do you refute an inaccurate independent medical exam?
If you want to refute a false or inaccurate independent medical exam anywhere in the United States, you should undertake the following steps:
- Do not exaggerate your symptoms
- Build strong relationships with your treating doctors
- Assume insurance investigators are surveilling you before and after the exam
- Bring a trustworthy witness with you
- Consult an experienced long term disability insurance lawyer
If you do not fight a false or inaccurate independent medical exam, your insurance company could terminate your benefits and you might need to work in order to cover your medical bills and other expenses.
How can LTD benefits attorneys help you with independent medical exams?
Reaching out to a skilled long term disability insurance attorney can make all the difference in the success or failure of your effort to recover LTD benefits for your injuries. An attorney’s role is to protect you, the plaintiff, and your rights, ensuring that the independent medical examiner adheres to the law. For example, the independent medical examiner has limits on what he or she may ask the plaintiff and the law strictly prohibits some areas of questioning, such as your medical history and how the accident occurred. A qualified legal professional will cut through all the noise and nonsense arguments and help bring your case to a quicker, more equitable solution. These cases can languish; do not yours be one of them.
Contact our experienced nationwide firm
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, speak with our nationwide LTD attorneys today. Our firm has significant experience helping people just like you obtain or defend their long term disability benefits. Contact Walker & Hern for a free consultation.