How Are IMEs Used In Long-Term Disability Cases In New Brunswick?

Brief Overview:In New Brunswick, Independent Medical Examinations (IMEs) play a crucial role in long-term disability cases. These assessments are used to gather objective medical evidence and provide an unbiased opinion on the claimant’s condition and ability to work. IMEs can significantly impact the outcome of a disability case, as they help insurance companies, employers, and the legal community make informed decisions regarding benefits and compensation.

Supporting Facts:
1. Objective Assessment: IMEs provide an impartial evaluation of the claimant’s medical condition by independent healthcare professionals who have no prior involvement in their treatment.
2. Gathering Evidence: IMEs help collect comprehensive medical information about the claimant’s impairments, limitations, and prognosis.
3. Assessing Functional Abilities: The examination assesses the claimant’s functional abilities related to work tasks or specific job requirements.
4. Determining Eligibility: IMEs assist in determining whether an individual meets the criteria for long-term disability benefits under their policy or relevant legislation.
5. Rebutting Claims: In some cases, IME reports are used to challenge exaggerated or fraudulent claims made by individuals seeking long-term disability benefits.


Q1: Who conducts Independent Medical Examinations (IMEs) in New Brunswick?
A1: Qualified healthcare professionals such as physicians or specialists perform IMEs in accordance with industry standards.

Q2: How is an appointment scheduled for an IME?
A2: Typically, either the insurance company or employer arranges and schedules appointments for claimants with selected healthcare providers.

Q3: Can a claimant refuse to attend an IME?
A3: Refusal to attend may result in consequences such as denial of benefits or suspension of ongoing payments unless there are valid reasons supported by appropriate documentation.

Q4: Are transportation expenses covered for attending an IME?
A4: Generally, reasonable transportation costs incurred while attending an IME are reimbursed by the party responsible for arranging the examination.

Q5: Can a claimant bring someone to accompany them during an IME?
A5: In most cases, claimants have the right to be accompanied by a support person or legal representative during their IME appointment.

Q6: How long does an IME report take to be completed?
A6: The timeframe for completing an IME report varies depending on factors such as complexity and availability of medical records. It can range from a few days to several weeks.

Q7: Are claimants entitled to receive a copy of the IME report?
A7: Yes, claimants are usually entitled to receive a copy of the IME report upon request. However, there may be certain exceptions based on specific circumstances or legal requirements.

IMEs play a vital role in long-term disability cases in New Brunswick. They provide objective medical evidence and assist insurance companies, employers, and the legal community in making informed decisions regarding benefits and compensation. Claimants should understand their rights and responsibilities when it comes to attending an IME and seek guidance from professionals experienced in disability management if needed.