Respuesta Rápida In Nueva York, aseguradoras can require you to attend an IME as a condition of continued Sin Culpa benefits. The IME doctor is selected and paid by the insurer. MAIC's clinical documentación is specifically designed to counter adverse IME findings with objective evidence.

What an IME Is

An IME is a one-time medical examination requested by su seguro carrier and performed by a médico selected and paid by the carrier. Its purpose is to produce a medical opinion that the carrier can use to limit or deny your benefits. The médico performing the IME typically sees you for 15 to 30 minutes — compared to the months of ongoing tratamiento your MAIC médicos provide.

Your Rights at an IME

  • You must attend when validly requested — failure to appear can suspend Sin Culpa benefits
  • You have the right to have your abogado or a representative present
  • You are not requerido to submit to painful examination procedures
  • You can bring a list of medications, diagnoses, and treating médicos
  • You should answer only what is asked — do not volunteer additional information

How MAIC Records Counter IME Encontrarings

The IME médico's one-time examination is countered by MAIC's ongoing treating record: months of documented hallazgos objetivos, serial rango de movimiento measurements, imágenes reports, and electrodiagnóstico studies. An arbitrator or jury weighs 30 minutes of examination against a comprehensive longitudinal clinical record — and the treating record almost always wins when it is well-documented.

If your Sin Culpa benefits were cut off after an IME, call MAIC at (888) 991-5290 immediately.