It is important to know that independent medical examinations (IMEs) or independent medical assessments (IMAs) are paid for by the insurer or LTD plan administrator. It is widely known that insurers generally select assessors who tend to provide assessment reports with conclusions that benefit the insurer, not the claimant (you!). That said, yes, it is necessary for you to attend an independent medical examination if your insurance company requests it. If you do not attend an IME, your insurer can discontinue or deny long-term disability (LTD) benefits. Every LTD lawyer at Verkhovets Law will tell you that it is not a good idea to not cooperate for IMEs. However, your insurance company may request medical assessments they are not entitled to under the policy. That’s why it is extremely important to consult LTD lawyer at Verkhovets Law. Attending assessments that you are not required to attend allows the insurance company an opportunity to obtain medical reports that may not favour you and eventually will be used to undermine your case. If you have difficulty attending the IME (you are paralyzed, in a wheelchair, or your mobility is limited and so on), explain this to your insurance company in writing/email. Your LTD lawyer at Verkhovets Law can give you tips on what to do, what not to do, what to say, how to say it at the independent medical examination.