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hi I'm attorney Cesar Gaviria and I'm here with my colleague Rachel altars and we're gonna talk to you today about unum and the independent medical exam process so younam's contacted you they would like to schedule you for an independent medical exam what can you expect Rachel what are a few things that a claimant or an insured should be aware of when younam's contacted them and they want to schedule them for an independent medical exam well Cesar they need to be aware that most number one they have to cooperate with the insurance company with younam's request if they don't go through with the independent medical examination unum can use that as a reason to deny the benefits first second of all they need to be aware of the fact that you know most likely has not provided the doctor with all of the medical documentation that's necessary for the doctor to get an accurate history of the clayman's you know medical issues so I suggest you know I always suggest that maybe they get representat

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