Add Comment Question: I have been on LTD for the last 1.5 hrs after my 3rd neck surgery and have nerve pain and can not work. The insurance company is sending me for an FCE next week. What should I know? Answer: That's a great question. The purpose of an FCE is to identify any restrictions, determine your functionality and assess your capacity to work. You can go to our website www.ltdfaq.ca and read our guide on Independent Medical Examinations. While IME's are not the exact same as FCE's, many of the same principles on how to prepare/what to expect still apply. You will need to answer all questions/assessments honestly. If you have further questions, you can speak with our disability specialist, Rebecca, at 1-844-661-9065 x132 or rebecca.stap@stlawyers.ca. Ultimately, if your insurer attempts to end your benefits as a result of this FCE, contact us ASAP and we will help. 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.