# Defensible reports for auto, LTD, and life and health files > We deliver Independent Medical Examinations, Functional Capacity Evaluations, and Medical File Reviews for ICBC Part 7, Ontario SABS, Section B, LTD, and life and health files. A named reviewer signs off every report before it reaches your desk. Source: https://imecore.com/for/insurers ## The reserve is set but the report is still drifting You sent the referral with the claim number, your questions, and the date the decision needs. Then the file goes quiet. You call to ask whether records arrived. You call again to ask whether the examination happened. The report arrives late, or it answers a question you did not ask. - You cannot see whether records are still outstanding. - You learn the examination moved after the fact. - The report misses one of your questions. - The invoice does not match the figure you approved. - You rebuild the timeline yourself for the claim file. ## What IMECore does about it ### Your referral sets the regime Send the claim number, your questions, and the report date. We open the file as ICBC Part 7, Ontario SABS, Section B, LTD, or life and health, and the report headings follow that regime. ### We collect the records, you see the gaps We request the clinical notes, imaging, and prior assessments, and show which sources have arrived and which have not. You stop asking, and you stop guessing. ### One confirmed report date The referral acknowledgement confirms the expected report date for your file. If it moves, you hear when it moves, with the reason attached. ### Each question answered in order The examiner works from the questions you asked. A named reviewer checks each one has an answer before the report is released. ### A fee confirmed before we book The acknowledgement confirms the fee per assessment before anything is booked. Provincial tax is applied by rule, and the invoice shows the components. ### A timeline you can file Every step is logged with a person and a time. The report and its timeline reach you through the client portal, ready for the claim file. ## Numbers worth knowing | Figure | What it measures | Source | |---|---|---| | 4–8 weeks | Typical wait for the report after the exam in BC | lawyerinfo.ca, BC WCAT guide | | $3,000–$6,000 | Typical BC specialist IME cost | lawyerinfo.ca, BC WCAT guide | | $2,165 | Doctors of BC recommended fee for a medico-legal opinion report | Doctors of BC uninsured services guide, 2024 | ## Questions people ask ### How do I refer a case? Send the referral at /refer with the examinee details, or use the referral link your IMECore contact gave you. Staff review every referral before anything is booked, then confirm the plan in the referral acknowledgement. ### What do you need with a referral? The referral letter with your questions, the claim or file number, the deadline, the examinee's contact details, and the records you already hold or where to request them. Missing pieces do not stop the referral. The acknowledgement lists what is still outstanding. ### Which claim regimes do you work under? Ontario SABS insurer examinations, BC ICBC Part 7 files, Section B files, and LTD and life and health referrals. Your referral sets the regime, and the report headings and tax follow it. ### How long until the report? In British Columbia the report often takes 4 to 8 weeks after the examination (lawyerinfo.ca, BC WCAT guide). Complex files and large record volumes add time. The referral acknowledgement confirms the expected date for your file. ### Can I ask for a rush? Yes. Say so when you refer and give the date the report is needed. The acknowledgement confirms whether that date is possible and what it depends on. ### Which assessments do you offer? Independent Medical Examination (IME), Functional Capacity Evaluation (FCE; Functional Abilities Evaluation or FAE in Ontario), Medical File Review, Insurer Examination, Catastrophic Impairment Assessment, Attendant Care Needs Assessment, Physical Demands Analysis, Job Site Assessment, Psychological Assessment, Psychiatric Assessment, Neuropsychological Assessment, Psycho-Vocational Assessment, Future Care Cost Assessment, Ergonomic Assessment, and Virtual Assessment. ### Which specialties do you work with? Orthopaedic surgery, physical medicine and rehabilitation, psychiatry, and psychology, matched to the referral question. Tell us what the file needs and the acknowledgement confirms the specialty. ### Where do you operate? Across Canada, in person and by video. Virtual assessments cover files where an in-person examination is not needed or not possible. ### Who signs off the report? A named reviewer checks that each referral question has an answer, that the opinion is reasoned, and that citations point at the records. Nothing is released without that sign-off. ### Do you arrange interpreters, transport, and chaperones? Yes. Tell us when you refer so they are booked before the appointment. Interpreters and chaperones are arranged for the examination, and travel needs are coordinated with the examinee. ### Will the examiner testify if the file goes to hearing? Ask when you refer. The acknowledgement confirms whether the examiner assigned to your file is available for testimony. ### How is the report delivered? The report is released to the referrer through the client portal, section by section, with notice when it is ready. Nothing goes by email attachment. ### How is the fee built? Per assessment, confirmed in writing in the referral acknowledgement before anything is booked. The figure depends on the assessment type and the specialty. Write to us for a quote on your file. ### What is your cancellation policy? A cancellation policy applies to late changes, and the acknowledgement states the terms for your file. Contact the coordinator as early as you can to move a date.