What to Expect During a Defense Base Act Independent Medical Exam (IME)

If you’ve filed a claim under the Defense Base Act (DBA), there’s a good chance the insurance company handling your case will schedule you for an Independent Medical Examination (IME). While the name implies neutrality, make no mistake—an IME can significantly impact your claim, and it’s rarely as “independent” as it sounds.

At Friedman Rodman & Frank, we help injured contractors understand their rights and prepare for every stage of the DBA process, including the IME. Here’s what you need to know before stepping into that exam room.

What Is an IME in a DBA Claim?

An Independent Medical Examination is a one-time evaluation performed by a doctor hired by the insurance company, not your treating physician. The insurer uses the IME to get a second opinion on the nature and severity of your injuries, your ability to work, or your need for ongoing treatment.

While the stated goal is to verify your condition, insurers often use IME reports to undermine or deny legitimate claims. That’s why it’s important to treat the IME seriously and prepare in advance.

When Will You Be Scheduled for an IME?

You may be scheduled for an IME at different stages of your case, especially if:

• The insurer disputes your diagnosis or treatment plan.

• You’ve been receiving benefits for an extended period.

• You’ve filed for permanent disability or claim ongoing limitations.

Receiving an IME notice doesn’t necessarily mean your claim will be denied—but it’s a sign the insurer is trying to challenge part of your case.

What Happens During the Exam?

During the IME, the doctor will:

• Review your medical records.

• Ask about your work history, injury, and symptoms.

• Conduct a physical or psychological evaluation, depending on your injury type.

The doctor will later submit a report to the insurance company, summarizing their findings and opinions on your condition, work restrictions, and prognosis.

Importantly, you won’t receive treatment during this exam. The purpose is strictly evaluative.

How Can You Protect Yourself During an IME?

1. Be Consistent and Honest – Stick to the facts about how you were injured, your symptoms, and how the injury affects your life. Exaggerating or minimizing symptoms can hurt your credibility.

2. Bring a Witness If Possible – Some workers bring a family member or friend to observe and take notes.

3. Take Notes After the Exam – Record what the doctor asked, what you said, and how long the exam lasted. These notes may be helpful if the IME report is inaccurate.

4. Consult Your DBA Lawyer Before and After – Your attorney can prepare you for what to expect and respond to any misleading conclusions in the report.

What If the IME Conflicts With Your Treating Doctor’s Opinion?

If the IME report contradicts your treating physician’s findings, the insurance company may try to reduce or terminate your benefits. This is where legal representation becomes critical.

At Friedman Rodman & Frank, we review IME reports for inaccuracies, gather additional medical opinions when necessary, and fight to ensure your rights are protected. You don’t have to accept the insurer’s version of your condition without question.

Get Help Before Your IME Hurts Your Claim

An IME can be a turning point in your DBA case—for better or worse. If you’ve been scheduled for one, call Friedman Rodman & Frank today at (305) 448-8585. We’ll help you understand what to expect, prepare properly, and fight back if the insurer tries to use the IME against you.