January has a funny way of turning “we’ll deal with that later” files into “we need a plan” files.

New budgets, refreshed KPIs, and a clean calendar often mean the same thing for claims teams: tighten triage, clarify exposure, and reduce uncertainty early. 

One of the fastest ways to do that is to anchor your planning in objective medical evidence - not just symptoms, not just opinions, but documented findings that can be reviewed, tested, and applied consistently. 

What do we mean by “objective medical evidence”? 

In a claims context, objective evidence typically comes from sources that can be corroborated, such as: 

• Clinical findings from an examination (e.g., range of motion, neurological signs, functional observations) 

• Diagnostic imaging and test results (where clinically indicated) 

• Treatment records and response to treatment over time 

• Standardized functional measures and capacity testing 

• A structured, impartial medical assessment that reviews records + examines the person 

Independent medical evaluations are commonly used to answer specific, practical questions for claim management - diagnosis, causation, restrictions/limitations, treatment needs, prognosis, and work capacity - based on history, exam, and records review. 

Why it matters most at the start of the year 

Early-year planning tends to involve segmentation: which claims are likely to resolve quickly, which require targeted action, and which need closer financial and clinical oversight. 

Objective evidence helps you: 

1) Reduce “opinion drift” across stakeholders 
Treating providers, employers, insurers, and the claimant can each view the same case through a different lens. Objective findings create a shared reference point for decisions - especially when the file is complex, prolonged, or disputed. 

2) Improve triage and right-sizing of resources 
Not every claim needs the same level of intervention. Clear evidence can help identify when to lean into workplace accommodations and when to escalate to specialist review or independent assessment. 

3) Build a realistic return-to-work pathway 
Return-to-work is most successful when it’s based on what someone can do safely and sustainably - not just what they say they can’t do. Evidence-based restrictions and functional abilities support job matching, modified work, and measurable goals. 

There’s also a strong body of evidence that workplace-based, multi-component disability management interventions can improve return-to-work outcomes across musculoskeletal, pain-related, and mental health conditions. 

And while “earlier is always better” isn’t a universal rule, a review of very early interventions found evidence of benefit - particularly when action occurs in the first couple of weeks for musculoskeletal conditions (e.g., job modifications and part-time sick leave approaches reducing duration/recurrence). 

A practical early-year “evidence checklist” (useful for file reviews) 

When you’re setting claim plans in January, these are the questions that often unlock progress: 

Diagnosis & impairment 

• Is the diagnosis clearly supported by exam findings and records? 

• Are there red flags (inconsistencies, evolving diagnoses, missing documentation)? 

Treatment & response 

• What has been tried, what worked, and what didn’t? 

• Is the current treatment plan aligned with the diagnosis and stage of recovery? 

Function & capacity 

• What are the restrictions/limitations supported by objective findings? 

• Is there clarity on tolerance (sitting/standing/walking/lifting/cognitive load)? 

Prognosis & barriers 

• What’s the expected recovery trajectory? 

• Are psychosocial or workplace barriers affecting recovery and RTW planning? 

Work suitability 

• What modified duties are realistic now? 

• What milestones would indicate readiness to progress? 

When it’s time to consider an Independent Medical Assessment 

Independent assessments can be especially helpful when you need: 

• A clear, impartial opinion that integrates clinical findings + records 

• Answers to specific claim questions (restrictions, treatment necessity, causation, prognosis) 

• A documented foundation to support work planning and accommodations 

• A way to move forward when the file is stalled due to conflicting information 

• A second opinion on a claim 

 Early-year claim planning works best when it’s built on evidence you can stand behind. Objective medical evidence doesn’t remove complexity - but it reduces uncertainty, strengthens consistency, and helps teams move from “reacting” to “planning.” 

If you’re reviewing your open files this month, consider where a stronger evidence base could help you set clearer next steps.  

Need some guidance? We’re here to help.  

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