After 31 months, I'm finally scheduled for an IME for my LTD on the 16th of
this month!
My question is for anyone who has gone through an IME. What can I expect?
This "NEURO" assigned for the IME is board certified BUT he owns his own "Neuro
Center" which does nothing but Workers Comp and other insurance "Independent"
neuro exams - LOL! While he attended college in some neuro fields, I can't
find where he received a degree in neurology! He did, however, attended
several months of "training" for insurance medical examinations and receive
creditials!
This is a BIG case with almost $50,000 past due from Insurance and another
$60,000 to the end of the end of LTD.
Warning for all you newbies - if you have STD/LTD through your employers, after
2 years the insurance company will TRY to discontinue payments due to a law for
mental cases!
That law does not apply for physcial conditions EVEN though the insurance
companies will do anything they can to NOT pay!
At the beginning, I suggest that you look up a GOOD LTD lawyer and call to be
prepared for problems especially after 2 years ! Laws are changing all the
time and the insurance
Also, TELL your doctor not to send any papers to ANY ONE without telling you
and letting you review BEFORE sending out the papers! Have a BIG note put on
your case file to that effect!
MY Neuro answered papers that allowed only YES/NO answers at the height of
Season here in SW FL! Since this is mainly a retirement town, and most of his
patients are on Medicare Already, he answered the YES/NO WITHOUT further
explanation and sent back to insurance without my knowledge!
ALWAYS before, the insurance company sent forms to me for me and the doctor to
fill out. I would always have to drop off the papers and pick them up to send
back. BUT to get rid of me, the insurance company sent papers directly to my
doctor and none to me - not even a notice! The last set of papers was just 6
weeks after the quarterly review papers! LIKE a MIRACLE would occur after 2
1/2 years of severe TM in just 6 weeks - 2 attacks of TM affecting C4 - T1 and
T10 - T12!
Just a word of warning to all newer TMers! SSDI is bad enough but the LTD
insurance companies are the WORST !%!$#$!#@ OF ALL!
Life is short! Break the rules! Forgive quickly! Kiss slowly!
Love truly, Laugh uncontrollably .
And never regret anything that made you smile.
Prayers and thoughts for you and yours,
Candy K.
Life is short! Break the rules! Forgive quickly! Kiss slowly!
Love truly, Laugh uncontrollably .
And never regret anything that made you smile.
Prayers and thoughts for you and yours,
Candy K.
