Long term disability insurance policies typically contain insurance provisions allowing your insurance company the right to physically exam you by a doctor of their choice. This is referred to as an "independent medical examination" or an "IME". During this physician examination, you may be instructed to participate in a "functional capacity evaluation" or "FCE" which will tests your body’s functional abilities. But make no mistake about it, there is nothing "independent" about the doctors that insurance companies use for these evaluations. Insurance companies pay these doctors a lot of money. As such, you should prepare for these examinations accordingly as everything that you say or do at these examinations may be used to support a denial of your long term disability insurance claim.