Is it mandatory to have an IME if my insurance company has made a request?
You always have a choice to decline an IME, but it is important to weigh out the possible consequences. How much do you have to lose? If your claim has already been denied and you are not receiving any benefits from the insurance company, declining an IME will not affect your situation. However, if your claim is still pending or you are already receiving benefits, refusing to undergo an IME may result in being denied or cut off from benefits. The decision to refuse an IME should be made in concert with your lawyer, who will determine whether the insurance company's request for an IME is lawful.
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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
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