Assessment services
Insurer Examination
An assessment an Ontario auto insurer arranges under Section 44 of the Statutory Accident Benefits Schedule (SABS), the provision that lets the insurer require a person claiming benefits to attend an examination. Adjusters order one when they need an opinion on diagnosis, causation, or whether benefits should continue.
The problem
The Section 44 request goes out while the file sits still
The adjuster triggers an insurer examination to answer an entitlement question. The notice goes out on time, the records stay scattered across the claim file, and the examiner opens an incomplete chart the day before the appointment.
- Treatment notes and prior assessments arrive unsorted and undated.
- The referral asks three questions and the report answers one of them.
- Nobody tracks the report date until the benefit decision is already waiting on it.
What changes
What IMECore does about it
The Section 44 questions stay on the case
Entitlement, diagnosis, and causation stay separate questions from notice to report. The template will not release with one unanswered.
Records complete before the appointment
Claim notes, treatment records, and prior reports attach with source and date. IMECore flags the gap before the examination is confirmed, not after.
The opinion stays the examiner's
IMECore runs intake, records, scheduling, and review. The examiner writes and signs the medical opinion, and a reviewer checks each question has an answer.
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FAQ
Questions people ask
What is a Section 44 examination?
Section 44 of Ontario's Statutory Accident Benefits Schedule lets an auto insurer require a person claiming accident benefits to attend an examination by a regulated health professional. The examination answers the insurer's questions about the injury and the benefits claimed.
Who orders an insurer examination?
The accident-benefit adjuster handling the claim, usually when treatment notes alone cannot settle diagnosis, causation, or ongoing entitlement. Counsel for either side then works from the resulting report.
What should an examinee expect?
Notice of the appointment, questions about history and current function, and an examination matched to the injury. No treatment is given, and the examiner does not become their doctor.
How is this different from an IME?
It is an IME ordered under a specific statutory power rather than a general referral. The questions, the notice, and the report all sit inside the Section 44 process, which is why the scheduling and records handling differ.
Keep reading
Related pages
- For teams
Insurers and adjusters
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.
Read - Claim type
Auto and accident benefits
We coordinate the examination and deliver the records and a report that answers each question the referral asked.
Read - Service
Independent Medical Examination
An independent physician examines the person, reviews the records, and answers the referral's questions in a signed report. Insurers, employers, and law firms order one when the treatment notes alone cannot settle diagnosis, causation, or work capacity.
Read - Service
Catastrophic Impairment Assessment
A multidisciplinary assessment that tests whether an injured person meets the catastrophic impairment criteria in Ontario's Statutory Accident Benefits Schedule (SABS). Insurers and plaintiff counsel order one when the injuries may meet the threshold, usually through an Application for Determination of Catastrophic Impairment (the OCF-19 form).
Read
Refer a case, get back a signed report
Send the referral and the questions. A coordinator confirms the file and what it still needs, then IMECore coordinates the examination and delivers a signed report.