Sage-Tips

What should you not say to a workers comp claims adjuster?

Here are some things you should not say when speaking to a workers’ comp adjuster:

• Do not agree to being recorded.
• Do not answer any questions about your family or financial situation.
• Do not get conversational with the adjuster.
• Do not agree to any settlement or sign any documents.

Can you dispute an IME?

Workers’ comp judges often treat IME doctors as “experts” and give significant weight to their reports. If you disagree with the findings in the report, you or your attorney can challenge the report. In some states, you can request a second medical examination, performed by a doctor you choose.

Why would a workers comp claim be denied?

Insurers will often deny workers’ compensation claims if the employee’s statements about how the accident happened are inconsistent. If you tell your supervisor that the accident happened one way, but tell your doctor that the accident happened in a different way, that will hurt your case.

How do you fight an IME report?

5 Ways You Can Beat a UNUM IME Report

1. Don’t Exaggerate Your Symptoms.
2. Build Strong Relationships With Your Treating Doctors.
3. Assume You’re Under Surveillance Before and After an IME.
4. Bring a Trustworthy Witness With You.
5. Consult an Experienced Disability Insurance Lawyer.

What is the next step after IME?

After the IME, the doctor will write a report with his or her conclusions and opinions, particularly in response to the disputed issues or questions raised by the insurance company. You or your lawyer should receive a copy of this report. The results of the IME can have a large impact on your case.

Can I sue an IME doctor?

In cases where you were injured during an IME exam by a workers’ comp doctor, you could file a malpractice claim against the doctor for the injuries you received. IME doctors can be sued for medical malpractice if: They give incorrect advice, it was foreseeable that the person would rely upon the advice, and.

Can you fight a IME report?

Even if UNUM denies your case based on an IME report, you can fight back.

Can you appeal an IME?

Get a disability lawyer involved and appeal the denial! A well-prepared appeal can overcome the insurer’s biased IME report and prove that you are unable to work.

What 4 types of issues are not covered by workers compensation?

What injuries are NOT covered by workers’ comp?

• An incident that arose out of an act of God.
• Common, one-time illnesses such as influenza or headaches.
• Condition(s) that existed before an employee was hired or began performing a particular job.
• Contracting ordinary disease of life.

What is a negative IME report in Illinois?

A negative IME report: Under the Section 12 of the Illinois Workers’ Compensation Act, the employer has the right to have the injured employee examined by a doctor of their choice for an Independent Medical Examination (IME). An IME is the insurance company’s primary tool to deny workers’ compensation benefits.

What happens if my medical treatment is denied by workers compensation?

When the adjuster denies treatment, or if it is expected medical treatment is to be denied by workers comp once the IME is performed, a hearing before the Maryland Workers Compensation Commission will need to be requested.

What is a workers’ comp independent medical examination (IME)?

If the employee submits a workers’ comp claim, the employer’s insurance company may ask the injured worker to have an independent medical examination (IME). A doctor chosen by the insurance company will perform the examination.

Do injured employees have to show up for an Ime?

Yes, injured employees who are ordered to undergo an IME must show up, or risk losing their workers compensation benefits. Though workers compensation rules vary from state-to-state, all of them allow for a “second opinion” on the status of an injured worker.