Independent medical examinations (IME) in TPD claims

Short answer: an IME is often used by insurers or trustees to obtain an external medical opinion. It does not automatically decide your claim, but it can strongly influence timing, information requests, and final decisions.

Why IMEs are requested

To assess whether your condition meets the policy's disability test.
To compare treating-doctor opinions with an external specialist view.
To clarify work capacity, prognosis, and treatment history.
To resolve gaps or inconsistencies in existing records.

What to expect before the appointment

Notice of appointment date, location, and examiner specialty.
A request for updated records, medication details, and symptom timeline.
Questions about work history, daily limitations, and treatment response.
Sometimes multiple IMEs if your claim involves several medical fields.

Practical preparation steps

Review your own timeline so dates and treatment details stay accurate.
Bring a concise list of current medications and treating providers.
Describe functional limitations in practical work terms, not only diagnosis labels.
Avoid exaggeration or minimisation; consistency is critical.
After the exam, make a dated note of what was discussed.

Common dispute points after an IME

The IME report places too much weight on a short single consultation.
Your daily limitations are described differently from treating records.
The report applies the wrong policy definition (for example, own vs any occupation).
Important evidence is omitted or misunderstood.

If this happens, ask for the reasoning in writing and respond with targeted medical and vocational evidence tied to the policy wording.

Need help preparing for an IME?

Call 02 9635 0889 Request a claim position review

General information only. This is not legal advice. Outcomes depend on policy terms, evidence, and individual circumstances.