Guelph519 837 2100 | 1 800 746 0685

Fergus519 843 1960 | 1 800 746 0685

Law Firm LLP

Contact Us:

Please contact our office directly to discuss your legal requirements or for more information on our services. If you wish to contact one of our lawyers directly please visit the Our Team page.

Guelph Office

105 Silvercreek Pkwy. N.
Suite 100 Guelph, ON N1H 6S4

Mailing Address

P.O. Box 1240
Guelph, ON N1H 6N6

Phone: 519 837 2100
Fax: 519 837 1617

Toll Free: 1 800 746 0685

Email: guelphinfo@smithvaleriote.com

Fergus Office

265 Bridge Street
Fergus, ON N1M 1T7

Mailing Address

P.O. Box 128
Fergus, ON N1M 2W7

Phone: 519 843 1960
Fax: 519 843 6888

Toll Free: 1 800 746 0685

Email: fergusinfo@smithvaleriote.com

Quick Contact

select

Sending an email to SmithValeriote LLP does not establish a solicitor-client relationship. Please do not send any confidential information to the firm unless a retainer has been confirmed. I Agree.

Submit     Cancel/Close

Smith Valeriote Lawyers Blog | Smith Valeriote LLP Law Firm Guelph

What’s an IME and Why Is It Making the News Lately?

What is an insurance medical examinationWhat is an IME?

IME stands for Insurance Medical Examination.  If you are receiving any type of injury or disability benefit, chances are you have been forced to attend a medical examination by an examiner selected by the insurance company.  

Why are you sent to an IME?

The reason behind sending you to an “IME” is for the insurance company to determine whether they will pay for or continue to pay for your treatment, care, or income benefits. 

Why are they making the news?

Simple. Corruption. According to the January 2017 MPP Advisor...

"IMEs have become a billion dollar industry. Insurance companies force approximately 50% of all accident victims to go through the IME process. For those victims who are assessed, insurers actually spend more money on the assessments than they do on treatment to help the victim get better! For benefit claims arising from accidents since January 1, 2011 (when the insurance industry started keeping statistics), insurers have spent over $600,000,000 on IMEs!"

But why does that mean Corruption?

Due to the economic advantage of writing a report favourable to the insurance company, the reports are heavily biased in favour of the insurance company that bought it.

But how has this made its way to the news?

The case that brought this tainted insurance practice to public light (as those of us in the industry have been aware for years) was Platnick v. Bent 2016. In this case, the lawyer advised OTLA members of unfair and biased practices that were happening in her case. It was reported that under cross examination an IE neurologist has testified that a large and critically important section of his report had been removed without his knowledge or consent. As it turned out Dr. Platnick had drafted the executive summary and omitted critical information from the final report. The correspondence further notes that this was not an isolated event.

This effectively means that the assessment doctor was tailoring the medical reports to suit the needs of the insurance company to deny the injured person benefits.  

The National Post reported,

“When Canadians suffer potentially life-altering injuries in accidents, the medical assessments carried out for insurers can be crucial to determining what kind of benefits they obtain."

But a new court ruling casts a murky light on that process, concluding that an Ontario doctor likely misrepresented the views of specialists so it was easier for an insurance company to deny a victim benefits.

The Toronto Star has reported that the College of Physicians and Surgeons of Ontario is now investigating the doctor who wrote the misleading report about a car accident victim to benefit and insurance company.

It is a very sad truth. And this is not new.  In 2014, the FAIR Association of Victims for Accident Insurance Reform wrote a letter to Ontario’s MPP’s titled “Does Ontario no longer want an honest justice system?"  In this letter it states that there is,

“Increasing evidence that Ontario’s auto accident victim’s medical files are routinely being altered to suit Ontario’s insurers need to save money. Portions of medical reports have been removed, manipulated or even changed entirely without the author’s knowledge or consent in order to minimize victim injuries.”

The letter goes on to include portions of court and arbitration cases that have identified these issues in the past. The letter was intended as a call to action. We are all still waiting.

For more information on your legal rights regarding personal injury, feel free to contact Catherine Grinyer at SmithValeriote Law Firm LLP, operating in the Guelph, Ontario office. Please call 519-836-6849 or email cgrinyer@smithvaleriote.com

 

The content of this article is intended to provide a general guide to the subject matter and is not legal advice. Specialist advice should be sought regarding your specific circumstance.

Date:
2017.03.15

Share:

Smith Valeriote Logo - Excellence in our Community

SmithValeriote Law Firm LLP has 30 lawyers servicing the province of Ontario including the communities of Waterloo, Kitchener, Fergus, Cambridge, Elora and Guelph.

Smith Valeriote - Map to Guelph Offices

Guelph Office

105 Silvercreek Pkwy. N.
Suite 100 Guelph, ON N1H 6S4

Phone: 519 837 2100
Fax: 519 837 1617

Toll Free: 1 800 746 0685

Email: guelphinfo@smithvaleriote.com

Smith Valeriote - Map to Fergus Offices

Fergus Office

265 Bridge Street
Fergus, ON N1M 1T7

Phone: 519 843 1960
Fax: 519 843 6888

Toll Free: 1 800 746 0685

Email: fergusinfo@smithvaleriote.com