Add Comment Question: Can an employer refuse to pay LTD benefits even after the Independent Medical Exam they requested supported the initial exam of an employee's own family doctor? Answer: If their own IME doctor agreed that you pass the medical test, it would likely be a very tenuous/questionable denial. But I would obviously have to review the denial letter and any other pertinent documentation to give a proper opinion on it. I will email you directly about this to set that up. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.