Make Independent Films.com
Ebook/book: How To Make A Movie With A Very, Very, Low Budget. A Guide To Making An Independent Film With Very Little Money. Make Independent Films.com
Make Independent Films.com
Ebook/book: How To Make A Movie With A Very, Very, Low Budget. A Guide To Making An Independent Film With Very Little Money. Make Independent Films.com
Make Independent Films.com
Ebook/book: How To Make A Movie With A Very, Very, Low Budget. A Guide To Making An Independent Film With Very Little Money. Make Independent Films.com
Is an “Independent Medical Examination” Really Independent?
In many states, you can purchase insurance to cover your medical bills if you are involved in a car accident, regardless of who is at fault. In Washington State, this type of insurance is called personal injury protection coverage (PIP), and it’s mandatory unless you sign a statement that you are declining the coverage. It is considered “primary” over your health insurance (your PIP coverage must be exhausted or cut off before your “secondary” health insurance will start paying your bills). PIP insurance can be extremely helpful if you don’t have health insurance or if your health insurance requires deductibles or large co-payments. The down side is that many insurance companies try their best to limit your benefits or cut them off all together.
One of the main tools for limiting or cutting off benefits is the use of the “independent medical examination” (IME).
These examinations are rarely independent. The insurance company typically hires a health care provider to examine you and then provide a report to the insurance company. Usually of the same or similar type of health care provider that you are obtaining treatment from is used, but not always. I have seen orthopedic doctors do examinations when my client has only seen a chiropractor and vice versa. Most of the time (although not always), the IME report comes back and minimizes the person’s injury in some way. Either the injured person was not really hurt, or their injuries should already have resolved, or they have treated for too long, or the treatment they are receiving isn’t helping them. The insurance company then uses the IME report to limit or cancel payments for treatment.
The dirty little secret is that often these “independent” health care providers are making a substantial income from doing these examinations for insurance companies. The bias is clear: the health care provider has to write something negative in the IME report to justify the insurance company continuing to send people for these examinations. These “usual suspects” appear again and again in personal injury cases. Some people in the know refer to them as a not-so-nice word for “the oldest profession”. This term is actually quite appropriate if you consider that these health care providers are essentially selling their expertise to the highest bidder regardless of the medical ethics involved, and there is no doctor-patient relationship in these examinations. In fact this industry became not so secret recently when the New York Times profiled IME examinations, particularly in the New York State workers compensation system:
The problem is that if you refuse to attend an IME they insurance company cancels your benefits anyway because it usually states in the policy that you have a duty to cooperate with the insurance company, and failing to attend the IME is “failing to cooperate.” I typically counsel my clients to attend these examinations, but I prepare them for what to expect. I also request that the PIP insurance company pay all outstanding bills up to the date of the IME, and not disclose the IME results to any outside parties because often an at-fault insurance company will try to obtain the IME report to use it against an injured person. Although the IME report is probably not going to be fair, with some caution and preparation, you can minimize the damage to your case.
Our newest film, a survival adventure. Please let us know what you think. WARNING: Viewer Discretion is Advised. Video Rating: 4 / 5
Trailer for the dark and unpredictable independent film “A Proper Violence.” Shot for next to nothing in the woods of upstate NY, this deep psychological thriller has moving performances, lots of suspense, and one of the most shocking endings in recent cinema! Leave us a comment, and “like” us on facebook so we can bring the film to your area! (www.facebook.com For more information go to www.aproperviolence.com or check out www.imdb.com “When one man’s dark secret becomes the obsession of three strangers, how far will they go to commit: A Proper Violence?” **One word quotes are from test screening audiences in Philly and NY
All Ages: Boston Hardcore The Film – Brattle Premiere
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Executive producer Duane Lucia & director Drew Stone at a post-screening Q&A for "All Ages: Boston Hardcore the Film" at the Brattle Theatre on Friday, April 27th, 2012. Part of the 10th annual Independent Film Festival Boston.
romain novarina independent film director vs hollywood
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romain novarina independent film director vs hollywood ?
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