What is an Independent Medical Examination (IME) and Functional Capacity Evaluation (FCE)?

Most disability insurance policies contain a provision allowing your insurer the right to physically exam you by a doctor of their choice, this is what is referred to as an IME. During this physician examination, you may be instructed to participate in a FCE which will tests your body’s functional abilities. Your participation in an FCE may or may not be required and you should refer to your disability policy for further information.