independent medical exam
Examination of a patient by a doctor employed by an insurance company (e.g. insurance company whore) to second guess a patient's claim.  Insurance companies use the term independent to deceive the general public.  The examinaitons are not "independent" per se because if a whore fails to deliver the expected goods, the whore gets no more insurance company work.  Another cost savings mechanism for an insurer to make million and billions in profits.  FIGHT YOUR INSURNACE COMPANY.
The insurance company used their independent medical examination to reduce my claim.