How Do IME Outcomes Affect Insurance Premiums For Saskatchewan Employers?

Brief Overview:
IME outcomes can have a significant impact on insurance premiums for Saskatchewan employers. These outcomes, based on the assessments conducted by independent medical experts, play a crucial role in determining the validity of disability claims and the costs associated with them. Understanding how these outcomes affect insurance premiums is essential for employers in managing their disability management programs effectively.

1) Claim Validation: IME outcomes provide objective evidence regarding the legitimacy of disability claims made by employees. If an IME determines that a claim is valid and demonstrates that an employee is genuinely unable to work due to a covered illness or injury, it may result in increased benefit payouts, potentially leading to higher insurance premiums.

2) Benefit Duration: In some cases, IMEs evaluate the duration of benefits required by an employee. If an assessment concludes that an employee’s condition will persist longer than initially anticipated, it could result in extended benefit periods and increased premium costs for employers.

3) Early Intervention: Timely intervention through IMEs can help identify opportunities for early rehabilitation or return-to-work strategies. A positive outcome indicating potential progress towards recovery may result in shorter claim durations and lower long-term premium impacts.

4) Litigation Avoidance: By conducting thorough assessments using independent medical experts, insurers can reduce the risk of workers’ compensation litigation initiated by dissatisfied claimants. This proactive approach can lead to potential cost savings on legal fees while keeping insurance premiums stable.

5) Risk Mitigation Strategies: Insurance providers often utilize IME results as part of their overall risk assessment strategies when pricing policies for employers. Positive outcomes reflecting effective return-to-work plans or strong healthcare support systems within companies may contribute to lower premiums due to reduced perceived risks.


1) Does every claim require an Independent Medical Examination (IME)?

No, not all claims warrant an IME as they are typically reserved for complex or disputed cases where additional medical opinions are needed to validate or assess ongoing treatment needs accurately.

2) Can an IME alone determine the validity of a claim?

While IMEs play a crucial role in evaluating the legitimacy of claims, they are not the sole determining factor. Other supporting medical evidence and documentation also contribute to establishing a comprehensive view of the claim’s validity.

3) Who selects the independent medical expert for an IME?

The party responsible for arranging the assessment (employer, insurance company, legal representative) typically selects and pays for the independent medical expert conducting the IME. It is essential to ensure their qualifications align with the specific nature of each case.

4) How long does it take to receive IME results?

The time required varies depending on various factors such as appointment availability, complexity of case, and report writing timelines. Typically, it can range from several weeks to a few months.

5) Can employers dispute unfavorable IME outcomes?

Employers have options available if they disagree with or have concerns about unfavorable IME outcomes. They may seek medical peer reviews or second opinions when necessary to strengthen their position during disability claim management discussions.

6) Are there any regulations governing IMEs in Saskatchewan?

Yes, Saskatchewan has guidelines under its legislation that outline requirements related to conducting Independent Medical Examinations. Employers and insurers must adhere to these regulations while engaging in this process.

7) How often should employers consider reviewing their disability management programs following an IME outcome?

It is prudent for employers to regularly evaluate their disability management programs after significant events like an unfavorable IME outcome. Reviews help identify areas where improvements can be made concerning rehabilitation efforts, workplace accommodations, return-to-work strategies, etc.


IME outcomes have substantial implications for insurance premiums paid by Saskatchewan employers. Properly managing these assessments can positively impact premium costs through effective rehabilitation plans and early intervention strategies while avoiding costly litigation risks associated with disputed claims. Regular program evaluation is vital in maintaining optimal performance within organizations’ disability management frameworks.