When would an IW be justified for missing or refusing to attend a medical exam arranged by the ER?

• A. The examiner is not on the approved panel.
• B. The ER has not provided transportation.
• C. The exam would conflict with medical treatment.
• D. The exam would delay benefits.

Answer: (C)

The main idea here is that a worker can be justified in missing or refusing an ER-arranged medical exam when attending would interfere with ongoing medical treatment. If the exam would disrupt a treatment plan, conflict with medications, or require procedures that can’t safely occur at the same time, it makes sense to postpone or decline to protect the worker’s health and ensure proper care. In such cases, the insurer or ER should arrange a different timing or another qualified examiner so treatment isn’t jeopardized.

Logistical issues like the examiner not being on an approved panel or the ER not providing transportation aren’t by themselves reasons to skip the exam; these can typically be addressed by coordinating an alternative examiner or transportation. Delaying benefits isn’t a valid justification to miss the exam, since the exam’s purpose is to determine eligibility or need for treatment, not to punish the worker.