What Are The Consequences Of Non-Compliance With Ime Findings In Ontario?

Quick Overview:Non-compliance with Independent Medical Examination (IME) findings in Ontario can have significant consequences for all parties involved. Employers, insurance companies, and the legal community need to understand these consequences to ensure they comply with IME findings and avoid any potential penalties or legal issues.


1. Adverse impact on disability claims: Non-compliance with IME findings can result in adverse consequences for disability claims. Insurance companies rely on IME reports to make informed decisions regarding claim approvals, denials, or ongoing benefits. Failure to comply with these findings may lead to the denial of benefits or termination of ongoing support.

2. Legal implications: Non-compliance with IME findings can also have legal implications. If an employer or insurance company disregards the recommendations provided by an independent medical examiner, it may be seen as acting in bad faith or failing its duty of care towards the claimant. This could result in lawsuits and additional financial liabilities.

3. Damage to credibility: Failing to comply with IME findings can damage the credibility of employers, insurance companies, and even individual professionals involved in managing disability claims. It may raise questions about their commitment to fair assessment processes and adherence to professional standards.

4. Increased costs: Non-compliance with IME findings can lead to increased costs for employers and insurance companies due to prolonged disputes and potential litigation proceedings arising from such non-compliance.

5. Regulatory scrutiny: In Ontario, regulatory bodies such as the Financial Services Regulatory Authority (FSRA) oversee insurers’ compliance with industry regulations related to independent assessments like IMEs. Non-compliance can attract regulatory scrutiny leading not only monetary fines but also reputational damage within the industry.


1. Can I ignore an unfavorable finding from an Independent Medical Examination?
No, ignoring an unfavorable finding from an Independent Medical Examination is not advisable as it may have serious repercussions including denial of benefits and possible legal action against you.

2. What if I disagree with the IME findings?
If you disagree with the IME findings, it is recommended to seek legal advice or request a review of the assessment process through appropriate channels. Ignoring the findings without proper justification can lead to complications.

3. Can an insurance company deny my claim based solely on IME findings?
Yes, an insurance company may deny your claim based solely on unfavorable IME findings if they consider them as valid and reliable evidence contradicting your disability claim.

4. Are there any penalties for non-compliance with IME findings in Ontario?
Non-compliance with IME findings can result in penalties imposed by regulatory bodies such as FSRA, including fines and potential revocation of licenses.

5. What should employers do to ensure compliance with IME findings?
Employers should establish clear policies and procedures regarding compliance with IMEs, educate their staff about the importance of adherence to these recommendations, and regularly monitor their claims management processes for compliance.

6. Can an employee challenge non-compliance with IME findings legally?
Yes, employees have the right to challenge non-compliance with IME findings legally if they believe it was done in bad faith or against their best interests.

7. How can insurance companies avoid legal issues related to non-compliance?
Insurance companies can avoid legal issues related to non-compliance by ensuring that they have robust internal processes for reviewing and implementing independent medical examination recommendations promptly and fairly.

Non-compliance with Independent Medical Examination (IME) findings in Ontario carries significant consequences such as adverse impact on disability claims, legal implications, damage to credibility, increased costs, and regulatory scrutiny. It is crucial for all parties involved – employers, insurance companies, and individuals managing disability claims -to understand these consequences and prioritize compliance with IMEs to avoid potential penalties or legal issues.