An "insurance medical load capacity test" is a medical examination in which an insurance physician examines whether you have any limitations associated with a physical or psychological condition. As an extension of this, the insurance physician makes an assessment of the degree of disability. An insurance medical strain assessment can be requested by an insurer, company doctor, advocate or the court. It is always done in writing and is accompanied by a number of questions to which the insurance physician tries to answer after his examination. The examination is independent, meaning that the insurance physician has no interest in a particular outcome.
What does the research involve?
The examination will begin with an explanation of the examination, what happens to your data and the rights you have in this regard. After this we will discuss your complaints, the course of the complaints and the situation in which the complaints arose. You will be asked about previous treatments, use of medication and use of stimulants. If applicable, a targeted physical examination will take place. The total duration of the examination is approximately one to one and a half hours. If, after the examination, there is still uncertainty about the cause of the symptoms, the insurance physician may choose to request additional testing. It may also be important to request additional information, for example from your family doctor. All this is only possible with your prior written consent.
What happens to the data from the survey?
The data from the study are presented in a written report. At the end of the report, the data are summarized in a conclusion or reflection. This is followed by answers to the questions. The report is then sent to the applicant. In case of a combination of examinations by different specialists, your data will be seen by several specialists where necessary. In the context of quality assurance, it is also possible that a supervising specialist may view your data. If requested by the applicant for your examination or your employer, the findings will also be presented in a business report. The goal purpose of this is to enable the employer to assess your reintegration possibilities. This business report contains no medical data or privacy sensitive information.
Medical confidentiality
Like any physician, the insurance physician is bound by professional secrecy. However, in the case of an occupational disability expertise, this professional secrecy is not unlimited. If the applicant concerns your employer, the report is sent to the occupational physician involved, not to your employer.
Right of inspection and correction
At the end of the investigation, the findings will be discussed with you in general terms. In addition, the so-called "right of inspection and correction" applies to the report. This means that, if you wish, you will receive a copy of the draft report and can indicate whether there is an incorrect representation of facts. Interpretations, such as observations, diagnosis and conclusion, obviously fall outside the right of correction. N.B. you have no blocking rights in the context of this investigation.
